Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
TransUnion is publishing original creditor tradelines that are false, obsolete, and legally prohibited following full transfer and arbitration settlement in XXXX XXXX XXXX. XXXX ( Brown v. Midland Credit Management ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each account was permanently sold and extinguished when ownership and servicing transferred to Midland Credit Management ( MCM ). Once title and collection rights are assigned, the original creditors lose all authority to furnish or maintain any data under the Fair Credit Reporting Act ( FCRA ) and CFPB Bulletin 2014-02. Continuing to display these tradelines falsely represents an ongoing creditor relationship, violates the maximum-possible-accuracy requirement of 15 U.S.C. 1681e ( b ), and misleads potential lenders. Statutory & Regulatory Authority Requiring Deletion 1681e ( b ) CRAs must assure factual and legal accuracy ; reporting a divested creditor as still active is inaccurate. 1681s-2 ( b ) Furnishers must delete or correct data once ownership or validity is disputed and found inaccurate. 1681b ( a ) ( 3 ) ( A ) Original creditors who have sold the debt no longer have a permissible purpose to furnish any consumer data. 1681i ( a ) ( 6 ) Upon reinvestigation, CRAs must delete or correct information determined to be inaccurate or unverifiable. Federal Guidance & Precedent CFPB Bulletin 2014-02 Debt sellers must cease furnishing once an account is sold. FTC Staff Opinion
( Clark, 1998 ) Post-sale reporting by the former creditor is deceptive and violates the FCRA.

CFPB v. Equifax ( 2023

Consent Order ) CRAs required to delete all tradelines once ownership or servicing ended. Binding Case Law Cushman v. Trans Union Corp., 115 F.3d 220
( 3d Cir. 1997 ) Accuracy requires legal correctness ; CRAs must verify ownership.

Dennis v. BEH-1 LLC, 520 F.3d 1066 ( 9th Cir. 2008 )

Reporting extinguished obligations is inaccurate under the FCRA. Seamans v. Temple Univ., 744 F.3d 853 ( 3d Cir.
2014 ) Post-settlement reporting violates 1681s-2 ( b ).

Dalton v. Capital Associated Indus., 257 F.3d 409 ( 4th Cir. 2001 ) Failure to delete obsolete data breaches 1681e ( b ).

Henson v. Santander Consumer USA Inc., 137 S.Ct. 1718 ( 2017 ) After sale, only the buyer is the creditor ; the seller has no standing to report.

By continuing to list these accountseven marked sold, closed, or XXXX balanceTransUnion misrepresents ownership, suppresses credit scores, and enables repeat publication of obsolete data contrary to 1681i ( a ) ( 5 ) ( B ). The only lawful correction under federal statute and controlling precedent is permanent deletion of all original-creditor tradelines associated with these accounts.

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