Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
CFPB COMPLAINT XXXX / TransUnion / Experian Reporting Inconsistencies Subject : Incorrect and inconsistent reporting of XXXX charged-off account across TransUnion and Experian. Requesting investigation and deletion due to multiple FCRA violations. 



To Whom It May Concern, I am filing this complaint because an XXXX XXXX account is being reported inconsistently and inaccurately between TransUnion and Experian. 
These inconsistencies violate : FCRA XXXX ( accuracy and fairness ) FCRA XXXX ( b ) ( maximum possible accuracy ) FCRA XXXX ( failure to correct inaccurate information ) I have previously disputed this information, but the credit bureaus verified the account without correcting the clear errors listed below. 



ACCOUNT DETAILS Creditor : XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged-off Reported Balances : {$3800.00} / {$2300.00} past-due ( conflicting ) SPECIFIC INACCURACIES I AM DISPUTING XXXX. Conflicting Balance & Past-Due Amounts TransUnion reports a {$3800.00} balance with no past-due amount. 
Experian reports {$3800.00} written off AND {$2300.00} past due as of XX/XX/XXXX. 

A charged-off account can not simultaneously report : a full charge-off balance and a separate past-due amount. 

This is factually incorrect and violates FCRA XXXX ( b ). 



XXXX. Conflicting Status Updated Dates TransUnion : Reported XX/XX/XXXX Experian : Claims status updated XX/XX/XXXX The same account can not have multiple inconsistent update dates. 
If XXXX updated the account in XXXX, Experian must reflect the same update. 
This inconsistency creates inaccurate reporting. 



XXXX. Improper Monthly Late Reporting After Charge-Off Experian continues to show : XXXXday and XXXXday late payments in XXXXXX/XX/XXXX ( charge-off ) markers for every month after the charge-off Once an account is charged off, late payments should not continue to be added. 
This is inaccurate and artificially depresses my credit score, violating FCRA XXXX and XXXX ( b ). 



XXXX. Creditor Information Is Inconsistent TransUnion lists XXXX XXXX at XXXX XXXXXX/XX/XXXXExperian lists XXXX XXXX at XXXX XXXXXX/XX/XXXXThe location and creditor data must match across bureaus for the same account. 
This inconsistency makes the data unreliable under FCRA accuracy standards. 



XXXX. Remarks/Comments Differ Between Bureaus TransUnion : Charged off as bad debt | Dispute resolved; consumer disagrees Experian : Account closed at credit grantors request | XXXX dispute resolved consumer disagrees The same account is being described differently across XXXX. 
This violates the requirement for uniform reporting and can not be considered accurate. 



CONCLUSION & REQUEST Given the above errors, the XXXX account is being reported : inaccurately inconsistently in violation of multiple FCRA sections I am requesting that the CFPB require : A full investigation into these discrepancies Verification of all data directly from XXXX And the removal ( deletion ) of this account from my credit reports since the bureaus and XXXX are unable to provide consistent or accurate reporting. 

I am requesting deletion under FCRA XXXX ( a ) ( XXXX ) ( A ) because the data can not be verified accurately and consistently. 

Thank you for your assistance. 

Sincerely, 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