Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
[ XXXX, XXXX, XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX ( first floor ) ] [ XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Complaint against XXXX XXXX Bank XXXX XXXX. ( XXXX ) Subject : Inaccurate Credit Reporting in Violation of Federal Consumer Protection Laws To the Consumer Financial Protection Bureau : I am writing to file a formal complaint against XXXX XXXX Bank, XXXX. ( hereinafter " XXXX '' or " XXXX '' ) for egregious and ongoing violations of federal consumer protection laws regarding the inaccurate reporting of a discharged debt on my consumer credit report. Despite the debt being legally discharged, XXXX continues to report this account to credit reporting agencies ( CRAs ), specifically TransUnion, in a manner that is misleading, inaccurate, and damaging to my creditworthiness. Entity : XXXX XXXX Bank, XXXX. ( XXXX ) Account in Question : [ Insert Account Number, e.g., Credit Card ending in XXXX ] Reporting Agency : TransUnion ( and others, as applicable ) Factual Background The above-refered account was included in a bankruptcy petition and was subsequently discharged by order of the bankruptcy court on [ Insert Date of Discharge ( I do not remember the discharge date it was some days ago and though ) ]. Upon information and belief, the automatic stay and the permanent injunction imposed by 11 U.S.C. 524 should prohibit any attempt to collect this debt or to report it as a current, charge-off, or past-due obligation. Despite this legal protection, XXXX is reporting this account to TransUnion with a balance due and/or a status indicating it is an active derogatory account, implying that I am still legally obligated to pay. This is false and misleading. Legal Violations By continuing to report this discharged debt as owing, XXXX has violated numerous federal statutes designed to protect consumers. These violations include, but are not limited to : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : XXXX has violated 15 U.S.C. 1681s-2 ( b ) by failing to conduct a proper investigation after being notified of a dispute and by failing to correct or delete inaccurate information. Furthermore, reporting a discharged debt as due and owing fails to maintain maximum possible accuracy as required under the FCRA. 2. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP/UDAAP ) : Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, Chases actions constitute a " deceptive '' and " unfair '' practice. Reporting a debt that is not legally enforceable misrepresents the nature of the financial obligation and harms consumers. 3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : While XXXX is the original creditor, their reporting of a discharged debt as due violates the spirit of the FDCPA by using false, deceptive, or misleading representation to collect a debt. 4. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. : The TILA and its implementing regulation, Regulation Z, require accurate billing and reporting. Reporting false account statuses undermines the purpose of the Act to ensure informed consumer credit decisions. 5. Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1601 et seq. : The FCRA and TILA are titles under the CCPA. Chases actions violate the core principles of this overarching legislation designed to protect consumers in credit transactions. 6. Uniform Commercial Code ( UCC ) : The continued reporting of a legally unenforceable debt violates the UCCs underlying principles of good faith and commercial reasonableness in financial transactions. Request for Relief Chases failure to update this information has caused me significant harm, including damage to my credit score, emotional distress, and the denial of credit opportunities. Therefore, I request that the CFPB exercise its supervisory and enforcement authority to : 1. Compel XXXX to immediately correct or delete the inaccurate tradeline from TransUnion and all other credit reporting agencies. 2. Require XXXX to certify in writing that the information has been corrected and will not be re-reported. 3. Seek any and all applicable penalties, damages, and remedies available under the laws cited above, including those for willful noncompliance pursuant to 15 U.S.C. 1681n. Please investigate this matter and take appropriate action to ensure my consumer rights are upheld. I have attached copies of my credit report highlighting the error and documentation proving the discharge of this debt. Sincerely, [ XXXX, XXXX, XXXX, 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 non-monetary relief