Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Deletion of XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am submitting this formal dispute regarding the above-referenced XXXX XXXX XXXX account XXXX Despite multiple prior disputes, TransUnion continues to report inaccurate, incomplete, and misleading information in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and potentially the Equal Credit Opportunity Act ( ECOA ). 
Summary of Key Facts My last personal payment on this account was made in XXXX. That same year, the vehicle was declared a total loss. XXXX XXXX XXXX paid the bulk of the outstanding balance, and XXXX XXXX XXXX covered the remainder. The account was fully satisfied in XXXX. 
No default occurred. 
TransUnion is now reporting a false Date of Last Activity in XXXX and a charge-off status that is entirely inaccurate. This account should be reported as paid and closedor removed entirely. 
Violations Identified 1. False Charge-Off Reporting This account was not charged off due to non-payment. It was paid in full through insurance and XXXX coverage. Reporting a charge-off misrepresents the account status and violates FCRA Section 1681e ( b ) and XXXX XXXX guidelines. 
2. Re-Aging of the Account The Date of Last Activity has been falsely updated to XXXX, although the account was settled in XXXX. This improperly extends the reporting timeline, in violation of FCRA Sections 605 ( a ) and 1681i ( a ).

3. Failure to Validate the Debt I have previously requested full validation, but no documentation has been provided to justify the {$6200.00} written off balance, the original {$130000.00} balance, or the charge-off status. Per FCRA Section 1681i ( a ), unverifiable information must be deleted. 
4. Inconsistent and Misleading Payment History The reported payment history includes a charge-off in XXXX and collection statuses from XXXX, while also listing inconsistent delinquencies in XXXX and XXXX. These overlapping codes violate XXXX XXXX formatting and accuracy standards. 
5. Pattern of Noncompliance TransUnion has ignored multiple prior disputes and failed to provide the legally required Method of Verification. This ongoing failure constitutes willful and negligent noncompliance under FCRA Sections 1681n and 1681o.

Requested Resolution Permanently delete this account from my TransUnion credit report.

Provide all supporting documentation used to verify this account, including payment history, insurance claim records, and any charge-off justification.

Disclose the full Method of Verification used in all previous investigations, as required by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).

If you do not correct or remove this inaccurate account within 15 days, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the New Mexico Attorney Generals Office. I reserve the right to pursue legal remedies for damages resulting from continued inaccurate reporting. 
This account was resolved in XXXX without default. Its continued reporting as delinquent and charged off is both false and unlawful. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief