Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

Account Status : TransUnion : Closed with " Charged off as bad debt. '' XXXX : Status shows as Open and " Past due 150 days. '' XXXX : Closed with " Charge-off. '' Issue : There is inconsistency in whether the account is reported as open or closed. Since its marked as a charge-off, it should likely be consistently marked as closed across all bureaus. 

Closed Date : TransUnion : XX/XX/XXXX. 
XXXX : No closed date listed. 
XXXX : XX/XX/XXXX. 
Issue : The closed date should ideally match or be close across all three bureaus. The absence of a closed date in XXXX creates inconsistency. 

Payment Status : TransUnion : Marked as a charge-off with no recent payment status. 
XXXX : Shows " Past due 150 days '' but does not specify charge-off. 
XXXX : Lists " Charge-off. '' Issue : Payment status should align, especially since it's charged off. 

Payment History Reporting : TransUnion : No payment history is reported ( " None Reported '' ). 
XXXX : Lists a continuous charge-off status ( CO ) from XX/XX/XXXX through XX/XX/XXXX, with a " XXXX '' day late mark in XX/XX/XXXX. 
XXXX : Shows XXXX 120-day late entries for XXXX and XX/XX/XXXX, then no further payment history after that until XX/XX/XXXX, which shows as " OK. '' The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matte

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