Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The current balance ( {$590.00} ) is showing higher than the original balance ( {$310.00} ), which suggests inaccurate reporting. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 607 ( b ), bureaus must ensure maximum possible accuracy.

Its marked both collection and charge-off, which can be considered duplicate derogatory reporting. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

The Remarks : Charged off as bad debt | Profit and loss write-off language is misleading. After a charge-off, the balance should not continue to accrue inaccurately. 
The reported date of XX/XX/year> looks suspicious since it is a future date, which is impossible. This is a clear FCRA violation, making the account unverifiable as reported. 



Aggressive Dispute Letter ( Credit Bureau ) Experian / Equifax XXXX TransUnion XXXX : Formal Dispute of Inaccurate Reporting Account # XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) To Whom It May Concern, I am writing to dispute the accuracy of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon review of my credit file, I identified numerous serious reporting violations regarding this account : 1. Balance Inaccuracy The account shows an original balance of {$310.00} and a current balance of {$590.00}, which is mathematically impossible and reflects false or inflated reporting. This violates FCRA 607 ( b ), which requires consumer reporting agencies to assure maximum possible accuracy.

2. Duplicate Derogatory Status The account is listed simultaneously as Charge-Off and Collection, which is misleading, duplicative, and causes unfair damage to my credit profile. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

3. Future Reporting Date The account shows a reported date of XX/XX/year>, which has not yet occurred. This is factually impossible and renders the tradeline unverifiable under FCRA 611 ( a ) ( 5 ).

4. Misleading Remarks The notation Charged off as bad debt | Profit and loss write-off is ambiguous and misleading, further violating my rights under FCRA 602 ( A ).

Because of these serious violations, this tradeline is inaccurate, unverifiable, and incomplete under federal law. I am formally demanding that you delete this account immediately from my credit file.

If you continue to report this account without proper verification, you will be in direct violation of FCRA 611 and 616, and I will have no choice but to pursue further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

Please provide me with written confirmation of the deletion within 30 days as required by law.

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