Consumer complaint received 2025-05-06 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: MI

Complaint narrative:
I am filing this formal complaint against TransUnion for knowingly and willfully furnishing inaccurate, misleading, and re-aged information regarding a charged-off account serviced by XXXX Bank. I am requesting immediate deletion of the account from my credit report due to multiple Fair Credit Reporting Act ( FCRA ) and Metro 2 violations. 

XXXX current reporting as of XX/XX/XXXX, is materially inconsistent with documentation provided directly by XXXX XXXX including their XX/XX/XXXX response letter. Below is a full breakdown of each violation and inconsistency : Inaccuracy # 1 : Ongoing Updates After Charge-Off Reported Inaccuracy : TransUnion continues to update this charged-off account monthly through XX/XX/XXXX, showing a Charge-Off ( C/O ) status with an unpaid balance and past due amount of {$2500.00}. 

Why Its Incorrect : The XXXX letter clearly states that this account was charged off and written off as of XX/XX/XXXX. No payments were made after that date. Therefore, continuing to report a past due balance each month after charge-off is inaccurate, misleading, and violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 Format Guidelines , which prohibit reporting new delinquencies after charge-off.

Legal Rebuttal : Under Metro 2, a charged-off account must reflect the charge-off date and not be re-aged or updated monthly to falsely appear newly delinquent. Updating the same delinquency every month is a deceptive practice under UDAAP and FCRA 607 ( b ) ( CRA duty to ensure maximum accuracy ).

Inaccuracy # 2 : Misleading Balance Representation Reported Inaccuracy : TransUnion reports a balance and past due amount of {$2500.00} as of XX/XX/XXXX. However, the original charge-off balance according to XXXX own letter was {$1600.00}. 

Why Its Incorrect : This contradicts FinWises own written response and suggests that the account balance was inflated post charge-off, which is unlawful. The balance should have been frozen as of the date the account was charged off in XX/XX/XXXX. 

Legal Rebuttal : Per FCRA 623 and Metro 2, furnishers and CRAs can not misrepresent balances post charge-off. Updating or increasing the balance without further billing or payments after write-off is considered false furnishing and potentially debt re-aging.

Inaccuracy # 3 : No Indication of Account Transfer or Collection Reported Inaccuracy : TransUnion does not mark the account as Transferred or Sold to a third party, nor does it reflect any collection agency status. 

Why Its Incorrect : XXXX XX/XX/XXXX letter confirms the account was placed with TrueAccord for collection as early as XXXX and again in XXXX. This transfer of collection authority is material and must be shown on the report per Metro 2 formatting rules.

Legal Rebuttal : Failure to show that an account has been transferred to a collection agency misleads other creditors and violates FCRA 623 ( a ) ( 2 ) ( duty to update and correct previously reported data ). The absence of a transferred or collection status masks the true state of the debt.

Inaccuracy # 4 : Missing Payment History ( Pre-Charge-Off ) Reported Inaccuracy : XXXX file omits payment history entirely from XX/XX/XXXX through XX/XX/XXXX, and then abruptly reflects a charge-off from XX/XX/XXXX onward. 

Why Its Incorrect : The consumer report fails to show the actual progression of payment behavior or accurate last payment made ( which is listed as XX/XX/XXXX ). This violates the completeness requirement under FCRA and Metro 2.

Legal Rebuttal : FCRA 611 ( a ) and Metro 2 guidelines require complete and accurate reporting. Leaving out partial history while continuing monthly charge-off updates implies selective reporting, which is both misleading and prejudicial to my creditworthiness.

Inaccuracy # 5 : False Verified Status by TransUnion Reported Inaccuracy : Despite these glaring inconsistencies, TransUnion marked the account as Verified as of XX/XX/XXXX. 

Why Its Incorrect : This verification occurred despite receiving contrary documentation directly from the creditor that confirms inaccuracies in balance and charge-off reporting. TransUnion failed to perform a reasonable reinvestigation under FCRA 611 ( a ).

Legal Rebuttal : TransUnion is liable under FCRA 607 ( b ) and 611 ( a ) for failing to independently validate the data, especially when the consumer provides conflicting proof. Simply deferring to the furnisher without reconciling the discrepancies is a breach of CRA duties. 

Additional Points : This account should have been frozen as of XX/XX/XXXX, reflecting the charge-off, a fixed balance ( originally {$1600.00} per XXXX ), and no further monthly derogatory updates. not actively updated through XX/XX/XXXX. 
Monthly updates showing a charge-off and unpaid balance for over 5 years post-default are intended to cause maximum derogatory harm, not reflect accuracy or completeness. 
The XX/XX/XXXX letter from XXXX ( attached ) serves as primary evidence that the continued reporting is incorrect and not aligned with FCRA, FDCPA, or Metro 2. 

According to standard credit reporting and Metro 2 guidelines : Once an account is charged off, it must not continue to show new late payments, updated past due balances, or ongoing activity unless there is actual collection activity ( which must be reported accurately and separately ).

Continuing to update a charge-off every month through 2025 falsely re-ages the debt and artificially extends its derogatory impact on your credit report.

Reporting a past due balance of {$2500.00} every month post-charge-off, with no payments made, is illegal and deceptive under FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 standards. 


Legal Violations by XXXX Bank and TransUnion in This Account Reporting 1. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate or Incomplete Information FinWise continued furnishing the account with a Charge-Off and a balance of {$2500.00} from XX/XX/XXXX through XX/XX/XXXX, even though : The original charge-off balance was {$1600.00}. 
They state in their letter the debt was placed with a collection agency in XXXX and again in XXXX. 
No payments were made after charge-off, meaning the balance should not have been changing or updated monthly. 

Violation : Furnishing false balance data and failing to update the tradeline to Transferred/Sold.

2. FCRA 623 ( a ) ( 2 ) Duty to Update and Correct Once FinWise placed the account with TrueAccord ( twice ), they were legally obligated to notify TransUnion that the account had been transferred or sold, which they did not. 

Violation : XXXX failed to notify the CRA of the transfer, while continuing to report the account as if it remained in their control. 

3. FCRA 607 ( b ) CRA Obligation to Ensure Accuracy TransUnion is not permitted to blindly rely on information from data furnishers. As a Credit Reporting Agency ( CRA ), it has an independent legal duty to ensure the maximum possible accuracy of all consumer information reported. 

Violation : TransUnion marked this account as XXXX in XX/XX/XXXX and has continued to do so for several years, despite numerous disputes and clear contradictory evidenceincluding FinWises own letter stating the debt was placed with a collection agency in XXXX and again in XXXX. TransUnion never fully investigated these discrepancies, failed to request proper documentation of ownership or chain of title, and chose to maintain false and misleading data on my credit report in violation of FCR

A 607 ( b ). 4. FCRA 611 ( a ) Failure to Conduct a Reasonable Reinvestigation You submitted a dispute with evidence that : The account was charged off in XXXX. 
The balance was originally {$1600.00}, not {$2500.00}. 
The account was sent to collections twice, yet that wasnt disclosed to the CRA. 

Violation : TransUnion failed to reasonably investigate the dispute, ignored your evidence, and failed to reconcile conflicting information from XXXX own letters. 

5. FDCPA 807 False or Misleading Representations ( 15 U.S.C. 1692e ) XXXX claims to have placed this account in collections in XXXX and again in XXXX, but continued to report it as a direct creditor account through XXXX. 

Violation : This is false representation of debt status. You cant claim to have transferred a debt to a collection agency while continuing to report it yourself, especially if the CRA was not informed. 

6. FDCPA 809 Debt Validation and Disclosures ( 15 U.S.C. 1692g ) If XXXX placed the account with a collection agency in XXXX and again in XXXX, and never provided full chain of title or accurate disclosures to you during validation, then : Violation : They did not properly validate the debt, yet still allowed it to remain active and derogatory on your report. Theyve shown no legal documentation proving ownership. 

7. UDAAP Unfair, Dec

eptive, and Abusive Acts and Practices ( Consumer Financial Protection Act 1031 ) FinWises letter to you says one thing ( the debt was sent to collections ), while their credit reporting behavior reflects something entirely different. This two-faced strategy is classic UDAAP abuse. Violation : Misleading the consumer while maintaining a false narrative with the credit bureau is a deceptive and abusive practice, especially when the result is prolonged credit harm with no opportunity to verify or resolve the issue. 8. Metro 2 Reporting Guidelines Violations According to the CDIAs Metro 2 manual : A charge-off account must be frozen as of the charge-off date ( XX/XX/XXXX ). 
If transferred or sold, it must reflect Transferred/Sold and should not reflect ongoing updates under the original creditors name.

Once placed with collections, the collection agency must take over reporting, and the original creditor should cease updates.

Violations : Failure to stop monthly updates after charge-off.

No transfer/sale notations.

No collection tradeline shown. 
Ongoing past due balance with {$0.00} paidfalse portrayal of delinquency. 

XXXX Bank can not have it both ways. In their XX/XX/XXXX letter, they admit that the debt was placed with a collection agency in XXXX and again in XXXX, yet they failed to notify TransUnion of either transfer. This means XXXX is furnishing one narrative to the credit bureaus, while telling me something completely different. That is not only deceptiveit is a blatant violation of the FCRA, FDCPA, and UDAAP.

Further, TransUnion failed to detect or investigate this contradiction, instead choosing to mark the account as verified without reconciling the conflicting ownership data. This calls into question the entire dispute process and whether TransUnion is acting in good faith to comply with its responsibilities under FCRA 611 ( a ) and 607 ( b ). 

XXXX can not backtrack now. Their own written admission confirms this account was transferred and therefore should have been marked as Transferred/Sold, frozen from updates, and removed from active derogatory scoring. I demand immediate deletion and regulatory investigation.

Requested Resolution : Immediate deletion of this XXXX account ( XXXX * * * * ) from my TransUnion credit report. 
A full reinvestigation into why the account was marked verified despite conflicting evidence. 
Accountability for any violations of the FCRA, FDCPA, and UDAAP in TransUnions handling of this dispute.

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