Consumer complaint received 2025-05-18 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: TN

Complaint narrative:
To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Misleading Credit Reporting Account # XXXX To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., concerning XXXX XXXX continued inaccurate and misleading reporting of the above-referenced account to the consumer reporting agencies, including TransUnion and XXXX 

I. Credit Report Inaccuracies and Legal Violations Upon reviewing my credit report, I have identified the following clear and material inaccuracies : 1. The account is marked as " Closed '', yet you report a current balance of {$26000.00}. This is inherently contradictory and misleading under FCRA 623 ( a ) ( 1 ) ( A ).

2. The account is marked as a " Charge-Off '', yet you claim in your written letter dated XXXX XXXX 2024 that the account is neither forgiven nor canceled. This directly contradicts the reporting status and may amount to furnishing false data to the credit bureaus.

3. The account is not marked as Disputed, even though I have raised multiple disputes. This failure violates 15 U.S.C. 1681s-2 ( a ) ( 3 ), which mandates that any disputed item furnished must be marked as such during investigation.

4. XXXX reports the account as Charged off as bad debt, while Experian notes Customer disputed accountyet both bureaus reflect an open balance on a closed, charged-off account. This inconsistency is further evidence of improper and negligent reporting.

II. XXXX 's Evasion of Legal Responsibility Your repeated assertion that these matters were previously raised is both false and evasive. The specific legal, factual, and reporting errors outlined in this dispute have not been addressed. This statement appears to be a bad-faith tactic to avoid providing the lawful verification and documentation required under federal law. 

III. Demand for Immediate Validation and Correction Pursuant to 15 U.S.C. 1692g ( b ) and 1681i, I demand : 1. Full validation of the debt, including : Certified copy of the original signed contract ; Documentation proving XXXX current ownership and collection authority ; Complete accounting of the alleged debt, interest, charges, and changes ; Written explanation for the charge-off reporting status and whether a 1099-C has or will be issued ; A full explanation of how you continue to claim a balance on a charged-off and closed account.

2. Immediate correction or deletion of all false, outdated, or unverifiable information being reported to TXXXX Experian, and any other consumer reporting agencies.

3. Compliance with 1681s-2 ( a ) ( 3 ) by updating the account status to show it is disputed while under investigation.

IV. Notice of Intent to Pursue Legal Remedies XXXX  has 15 days from receipt of this letter to fully comply with these demands. If you fail to respond, or continue to furnish false, misleading, or unverifiable information to any credit bureau, I will pursue all available remedies, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) ; Initiating civil litigation under 15 U.S.C. 1681n, 1681o, and 1692k, seeking statutory damages, actual damages, costs, and attorneys fees. 
XXXX XXXX can not legally benefit from charging off a debt while continuing to pressure me for collection without validating the account or following IRS procedures. They are misreporting the account, refusing to mark it as disputed, and denying access to verification. This is a deceptive and untair practice that violates my consumer rights under federal law. 


This is your final opportunity to remedy these violations before I escalate this matter through administrative and judicial enforcement. 

Sincerely, 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 non-monetary relief