Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I am filing this complaint against Grain Techno for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) across all three credit bureaus ( XXXX, XXXX, and TransUnion ). This account is reporting inaccurate, misleading, and unverifiable information, making it ineligible to be reported per federal law. I am requesting the immediate deletion of this account from my credit reports due to the following violations : Violations Identified Future Date Reporting FCRA Violation ( 15 U.S.C. 1681i ( a ) ( 5 ) ) Bureaus can not report future dates ; this is a direct violation of the FCRA. 

XXXX and TransUnion show a " Date Reported '' of XX/XX/XXXX and a balance update as of XXXXwhich is impossible since it is currently XX/XX/XXXX. 
This proves that the reporting is unverifiable and inaccurate, requiring immediate deletion per the FCRA. 

Charge-Off with an Outstanding Balance FCRA Violation ( 15 U.S.C. 1681s-2 ( a ) ) A charge-off means the debt was written off as a loss. If it was charged off, it can not continue reporting a balance or a past due amount. 

XXXX XXXX is reporting this account as a " charge-off '' but still lists a balance of {$1000.00} and a past due amount of {$930.00}. 
If this debt was charged off, the balance should be reported as $ XXXXotherwise, this is a violation of credit reporting laws. 
This is illegal double reporting, which misrepresents the status of the account and negatively impacts my creditworthiness. 

Contradictory Payment History FCRA Violation ( 15 U.S.C. 1681e ( b ) ) Credit reporting must be 100 % accurate across all bureaus. This account contains discrepancies, making it ineligible to be reported. 

XXXX, XXXX, and TransUnion show different delinquency dates, conflicting payment history, and inconsistent reporting. 
The account is reported as Current in some months and Charged-Off in others, which is a clear error. 
The payment history is not uniform across bureaus, making it factually inaccurate and misleading to potential creditors. 


No Proof of Debt Ownership FDCPA Violation ( 15 U.S.C. 1692g ) XXXX  XXXX and furnishers must validate that they own a debt before reporting it. If the debt was sold, it must be removed from my report. 

The creditor classification is listed as " Unknown '' in some reports, meaning ownership of this debt is unclear. 
If XXXX XXXX no longer owns this debt, they have no legal right to report it. 
Under the FDCPA, they must provide validation of the debt or immediately delete the account from my credit reports. 

Unfair Credit Utilization Reporting FCRA Violation ( 15 U.S.C. 1681s-2 ) Charge-offs should not impact credit utilization, but this account is unfairly inflating my credit usage. 

The original credit limit was {$1000.00}, yet the reported balance is {$1000.00}, resulting in a 104 % utilization rate. 
Charge-offs should not count toward utilization, as the debt is no longer actively owed. 
This unfair reporting practice artificially suppresses my credit score and misrepresents my financial responsibility. 
They are unfairly reporting an inflated utilization rate. 




I am requesting the immediate deletion of this account from all three credit bureaus ( XXXX, XXXX, and TransUnion ) due to the numerous FCRA and FDCPA violations listed above. 

If the furnisher can not prove that all data is 100 % accurate, verifiable, and compliant with the law, they must delete the account immediately per FCRA regulations. 

Please investigate this issue and confirm the account deletion as soon as possible.

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