Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
CFPB Complaint XXXX XXXX Respondent ( s ) : XXXX XXXX XXXX / XXXX XXXX XXXX Summary : XXXX XXXX XXXX and its servicer XXXX XXXX XXXX are engaging in systemic credit reporting abuses, unlawful re-aging, deceptive debt collection, and failure to provide verification. Their conduct violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and established case law. These actions are harming my credit profile, financial standing, and ability to obtain credit. 



1. Failure to Provide Verification of Debt FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) XXXX has not provided original contracts, complete payment histories, or purchase/sale agreements proving ownership. 
Courts have consistently held that a collector must provide sufficient proof of ownership and validity of the debt, not just generic statements. 
XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) mere account summaries are insufficient. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ) a debt buyer must produce actual proof of assignment, not just affidavits.

2. Furnishing False Information FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) XXXX  is reporting accounts as open with current balances even after charge-off. 
This misrepresentation creates the appearance of ongoing delinquency. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) knowingly reporting misleading information constitutes an FCRA violation. 



3. Unlawful Re-Aging of Accounts FCRA 605 ( c ) ( 15 U.S.C. 1681c ) XXXX  is re-aging accounts from XXXX and XXXX to DOFDs in XXXX. 
This unlawfully extends the 7-year reporting window. 
FTC v. XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) debt buyers were fined for deceptive re-aging of accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX ( XXXX XXXX XXXX ) regulators penalized re-aging as a deceptive practice. 



4. Failure to Conduct a Reasonable Investigation FCRA 1681i ( a ) My disputes were verified through automated e-OSCAR parroting, not through independent investigation. 
XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs can not merely rely on furnisher responses ; they must perform reasonable reinvestigations. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) unreasonable reinvestigations violate 1681i. 



5. XXXX Deletions as Evidence of Inaccuracy XXXX  has already deleted multiple XXXX  accounts of mine as unverifiable. 
If XXXX were truly furnishing accurate information, it would remain uniform across all three bureaus. 
This inconsistency demonstrates systemic unreliability. 



6. Deceptive Collection Practices XXXX I received settlement offers from XXXX for the same debts, presented as if they were independent. 
XXXX is an affiliate/partner of XXXX  designed to confuse consumers and obscure ownership. 
FTC v. XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) false or misleading collection communications are prohibited.

This tactic constitutes deception under FDCPA 807 and UDAP ( Unfair & Deceptive Acts and Practices

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