Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
From the report provided, there may be potential Fair Credit Reporting Act ( FCRA ) violations to consider based on the following observations : 1. Reporting a Closed Account as Derogatory After Charge-Off The account shows it was closed on XX/XX/XXXX but is still listed as Derogatory with a balance of {$1100.00}. 

If the debt has been sold to a collection agency or otherwise resolved, the original creditor ( XXXX XXXXXXXX XXXX ) must not report an inaccurate balance. 

Under Section 623 of the FCRA, creditors must provide accurate and updated information. If the account was charged off, the creditor can not inaccurately report ongoing balances or statuses.

2. Date Last Reported : XX/XX/XXXX The date Last Reported is in the future ( XX/XX/XXXX ), which is impossible and inherently inaccurate. 
Under Section 607 ( b ), credit reporting agencies must follow procedures to ensure the maximum possible accuracy of information. A future reporting date is incorrect and should be corrected immediately.

3. Amount Past Due and Collection Charge-Off The Collection Chargeoff status and a past due amount of {$1100.00} may imply duplicate reporting. If the balance has already been charged off, the original creditor should not continue reporting the account as past due.

This could violate Section 605 ( a ), which prohibits inaccurate reporting that misrepresents the current status of the debt.

4. Obligation to Verify Consumer Disputes If you dispute this information ( e.g., balance, charge-off status, or reporting date ), the furnisher ( XXXX XXXX XXXX  XXXX and credit bureaus must investigate and verify the accuracy within 30 days under Section 611. If the errors persist after dispute, it may represent a clear FCRA violation.

Key FCRA Rights Being Potentially Violated : 1. Accuracy of Reporting ( Section 607 ( b ) ).

2. Obligation to Update and Correct Information ( Section 623 ).

3. Dispute Investigation Rights ( Section 611 ).

Based on this additional report, here are potential Fair Credit Reporting Act ( FCRA ) violations : 1. Charged-Off Account with a Balance The report lists the status as Collection Chargeoff with a past due balance of {$1100.00}.

Under the FCRA Section 623, when a debt is charged off, the creditor must ensure accurate reporting.

A charge-off means the creditor has written off the debt for accounting purposes.

While balances can still exist for collection, the past due amount can not remain on a charged-off account if ownership has been transferred to another entity ( e.g., a collection agency ).

Potential Violation : If the creditor no longer owns the debt but still reports the past due balance, this is inaccurate and misleading.

2. Monthly Payment of {$0.00} Yet Amount Past Due The report shows a monthly payment of {$0.00}, yet it states an Amount Past Due of {$1100.00}.

Under Section 607 ( b ), credit reporting agencies must ensure that reported data is not contradictory or misleading.

A $ 0 monthly payment suggests no ongoing obligation, so the report may incorrectly reflect past due status.

3. Disputed Information Status The remarks state Account information disputed by consumer, meets FCRA requirements.

This note implies the account was disputed, but it does not confirm whether the creditor validated the debt accurately.

Under Section 611, if a consumer disputes an account, the furnisher ( creditor ) must : 1. Investigate the dispute within 30 days.

2. Correct or delete inaccurate, incomplete, or unverifiable information.

Potential Violation : If the information remains inaccurate after a dispute, this would violate your rights under the FCRA.

4. Accuracy of the Balance The balance reported ( {$1100.00} ) and the highest balance ( {$1100.00} ) are nearly identical.

If payments or adjustments have been made, this may indicate the creditor is not updating the balance.

Under Section 623 ( a ) ( 2 ), furnishers must report updated and correct balances.

5. Misrepresentation of Charged-Off Status ( Section 623 ).

6. Contradictory Reporting ( Monthly Payment {$0.00} vs. Past Due Amount ).

7. Failure to Validate Correct Disputed Information ( Section 611 ).

8. Failure to Update Accurate Balances ( Section 623 ).

My consumer rights are being violated as weve been down this road before. Should this not be handled accordingly, I will have no other choice but to take legal action.

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