Consumer complaint received 2025-10-14 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:
Subject : Second Formal Dispute of Inaccurate Charge-Off Reporting World Finance Account # XXXX To Whom It May Concern, I am writing to follow up on my initial dispute regarding the inaccurate and misleading reporting of the World Finance account XXXX # XXXX ), which continues to appear on my credit reportsmost notably with Transunion. 
Despite my previous correspondence, the account continues to be reported as a charge-off on a monthly basis, which is both factually incorrect and in violation of federal credit reporting standards. As previously stated, a charge-off is a one-time event and not a status that should be reapplied each month.. 
This reporting practice is : Misleading to current and future creditors, Inflating the delinquency 's recency, and Causing undue harm to my credit profile. 
This continued reporting contradicts : The Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 et seq ], which mandates accurate reporting, The Metro 2 reporting format, which clearly states that a charge-off is a singular, final eventnot a recurring status, And guidance from the Consumer Financial Protection Bureau ( CFPB ) regarding the prohibition of re-aging debts and the expectation of fair, consistent, and truthful reporting.

I am formally requesting the following : 1. Immediate correction of the reporting to reflect a single, accurate charge-off date.

2. If this can not be done in full compliance with the FCRA and Metro 2 standards, then I request the complete deletion of this account from all consumer reporting agencies.

3. A written response indicating the outcome of your re-investigation, as required under the FCRA.

Im also requesting the following information : 1. The method of verification used to validate this charge-off account.

2. The name and contact information of the person or entity you spoke to during the verification process.

3. The date and time when this verification occurred.

4. All supporting documentation provided to substantiate the accuracy of this charge-off.

Furthermore, after this letter, if the problem is not corrected I will be contacting my Geogia States Attorney Office as well as filing legal complaints about these unlawful reporting practices with proof of tracking and evidence of correspondence of you violating Metro-2 Reporting Format and 15 U.S. Code 1681 et seq.

Please respond within 10 days of receipt of this letter. Again, I am retaining records of all correspondence for future reference and potential legal action if this matter is not resolved in compliance with federal law.

Thank you for your immediate attention to this matter. Please consider this letter a formal reiteration of my dispute under the FCRA.

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