Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
* * XXXX Account XXXX. : * XXXX From : XXXX XXXX Dear CFPB and XXXX XXXX XXXX, This is a formal rebuttal and dispute regarding the above-referenced XXXX account. XXXX response is both factually inaccurate and legally noncompliant under the Fair Credit Reporting Act ( FCRA ). I am outlining below the specific violations and demands for correction : 1. Open/Charge-Off Status Is Inaccurate XXXX is reporting this account as both Open and Charged-Off. This is a contradiction. Under Metro 2 credit reporting standards, an account can not remain open after a charge-off. Reporting a charge-off as open is materially misleading and artificially inflates my outstanding debt. 

Demand : Correct the status to Closed/Charge-Off or delete the tradeline if it can not be verified. 



2. Repeated Monthly Charge-Offs Are Improper XXXX claims a charge-off is not a one-time event, but that is false and misleading. A charge-off is a singular accounting event, typically recorded once when the account reaches XXXX or 180 days past due. However, XXXX has been reporting repeated charge-offs every month since XX/XX/year>. This creates the false impression of ongoing delinquency and is a direct violation of : FCRA 1681s-2 ( b ) furnishing inaccurate or misleading information Metro 2 guidelines charge-off is to be reported once, not monthly Demand : Remove all repeated charge-off notations after the original charge-off date ( XX/XX/year> ). Report the status once not month after month. 



XXXX. Failure to Provide Validation Is a Violation of FCRA XXXX states it will not provide internal records without a subpoena. This is unacceptable. Under FCRA 1681i and 1681s-2, I am entitled to a full reinvestigation and verification of the debt. If XXXX is unwilling or unable to provide documents like : The original signed contract The full account ledger or transaction history Proof of ownership or servicing rights Then the reporting must be corrected or removed as unverifiable. 

Demand : Provide full documentation or remove the tradeline immediately. 



4. Misleading Language About 1099-C and Collection Silence XXXX says the debt was not canceled or forgiven, yet they admit no current collection efforts are being made and the account was charged off in 2021. If no activity has occurred in over 3 years, it raises questions about whether the debt is still collectible and whether reporting is accurate. 

Demand : Disclose whether the debt has been sold, assigned, or remains collectible, and provide evidence of any lawful collection activity since 2021. 



Attached Evidence : I have attached a calendar/screenshot from my credit report showing XXXX has reported Charge-Off ( CO ) every month from XX/XX/year> to the present. This is clear evidence of repeated charge-off reporting for a single charge-off event. 



Summary & Notice : Unless these issues are corrected within 30 days, I reserve the right to escalate this matter by : Filing additional complaints with the FTC and State Attorney General Requesting legal counsel for FCRA violations under 1681n and 1681o Seeking statutory damages and deletion of the account This is a good-faith dispute backed by documented evidence. I am requesting a full reinvestigation and an updated, verifiable response not a boilerplate reply. 

Sincerely, XXXX XXXX Account XXXX. : XXXX XXXX XXXX XXXX

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 explanation