Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report as provided by TransUnion. As outlined below, these items contain multiple discrepancies and violations of the FCRA, and I respectfully request that they be immediately deleted from my credit report XXXX  XXXX ( Account Number : XXXX ) Credit Usage ( 100 % ) is Incorrect The balance is {$1300.00}, but the credit limit is {$1000.00}, resulting in 137 % usage, not 100 %. 

Past Due Amount ( {$1300.00} ) Should Not Be Reported on a Charged-Off Account A charged-off account should not report a past due balance as it has been written off. This violates 15 U.S.C. 1681e ( b ), ensuring maximum accuracy in credit reporting.

Highest Balance ( {$1200.00} ) is Lower Than the Current Balance ( {$1300.00} ) The highest balance should reflect the largest amount owed, which in this case, is {$1300.00}, not {$1200.00}. 

No Payment History Available, but Last Payment Date is Provided The report states " No payment history available '', yet it lists a last payment date of XX/XX/XXXX, which is contradictory. 

XXXX XXXX  ( Account Number : XXXX ) Credit Usage ( 100 % ) is Incorrect The balance is {$3900.00}, while the credit limit is {$3500.00}, resulting in 113 % usage, not 100 %. 

Past Due Amount ( {$3900.00} ) Should Not Be Reported on a Charged-Off Account A charged-off account should not report a past due amount as it has been written off, violating 15 U.S.C. 1681e ( b ). 

Contradiction : No Payment History Available, Yet a Last Payment Date Exists The report states " No payment history available '', but lists a last payment date of XX/XX/XXXX, which is inconsistent. 

Highest Balance ( {$3900.00} ) Matches the Current Balance The highest balance should reflect the peak amount owed before payments, yet it is listed the same as the current balance, which is unusual. 

XXXX XXXX  ( Account Number : XXXX ) Credit Usage ( 0 % ) May Be Misleading The credit limit is {$5000.00}, and the balance is {$0.00}, so while this is accurate for usage, it should not be included in current credit utilization as the account is closed. 

" Payment After Charge-Off/Collection '' Status Without Payment History The report states " No payment history available '', yet lists " Payment after charge-off/collection ''. If a payment was made, it should be reflected. 

Highest Balance ( {$5500.00} ) Exceeds Credit Limit ( {$5000.00} ) The highest balance should not exceed the original credit limit unless due to over-limit fees, which must be documented. 

Last Payment Date ( XX/XX/XXXX ) Should Be Verified If the account was paid after charge-off, there should be a record of payment with verification from the creditor. 

XXXX ( Account Number : XXXX ) METHOD OF VERIFICATION REASON : This account is continuing to report errors after TransUnion claimed to have verified it. I have reason to believe that you failed to conduct a reinvestigation of my disputes. Therefore, this account could not have been verified. 

METHOD OF VERIFICATION REASON : Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE. I request that you provide the following information : Proof that I owe this debt : Provide documentation showing that I am legally responsible for this debt, including a copy of the original signed agreement or contract. 

Breakdown of the debt : Provide a detailed breakdown of the amount owed, including the principal balance, interest, fees, and any other charges. 

Proof of ownership of the debt : Provide documentation proving that XXXX has the legal right to collect this debt, including a copy of the agreement transferring the debt from the original creditor to XXXX. 

Account history : Provide a complete history of the account, including the date the account was opened, the date of the last payment, and any charges or credits applied to the account. 

Original creditor information : Provide the name, address, and contact information of the original creditor. 

Until you provide this information, I dispute the validity of this debt.

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