Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
TransUnion is continuing to furnish false and legally invalid account information regarding both the XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection tradeline and the XXXXXXXX XXXX XXXX XXXX XXXXXXXX charge-off tradeline, even though both debts have been extinguished by arbitration default and are no longer legally collectible or reportable. 

On XX/XX/XXXX, the XXXX XXXX XXXXXXXX XXXX XXXX XXXX accepted my consumer arbitration filing under Case No. XXXX and invoiced the respondent for its required business fees. 
The respondent failed to pay, and on XX/XX/XXXX, the XXXX issued a formal notice titled Business Failed to Comply, closing the case under XXXX XXXX XXXX XXXX ( b ). 

This closure constitutes a default in arbitration under XXXX XXXX XXXX and XXXX ( b ) and legally terminates the respondents right to assert or report any claim. 
Under established federal precedent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) failure to pay arbitration fees is a material breach that bars the business from enforcing its claim. 
XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) refusal to arbitrate waives all rights to pursue the underlying debt. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) default in arbitration forfeits all contractual rights under the arbitration clause. 

These rulings collectively establish that once a creditor or its agent defaults in arbitration, the alleged debt becomes legally unenforceable and can not be reported as valid or outstanding.

Nevertheless, TransUnion continues to publish inaccurate data in direct violation of multiple federal statutes, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing information known or believed to be inaccurate ; 15 U.S.C. 1681i ( a ) requires deletion of unverifiable information within 30 days ; 15 U.S.C. 1692e ( 2 ) ( A ) forbids false representation of a debts character, amount, or legal status ; 15 U.S.C. 1692f prohibits unfair collection and reporting practices. 

Additionally, XXXX XXXX XXXX XXXX XXXXXXXX has no permissible purpose under 15 U.S.C. 1681b ( a ) to continue furnishing data on a debt that was nullified by arbitration default.

Their continued reporting of charge-off or balance information constitutes willful misrepresentation under FCRA 623 ( a ) and violates the CFPBs own accuracy standards for furnishers. 

Supporting Exhibits : Exhibit XXXX XXXX Initial Fee Request ( XX/XX/XXXX ) confirming the respondents fee obligation ; Exhibit XXXX XXXX Case Closure Notice ( XX/XX/XXXX ) confirming Business Failed to Comply. 

TransUnions ongoing publication of these tradelines after documented arbitration default is a willful and reckless disregard of the FCRA and FDCPA, constituting a violation of 15 U.S.C. 1681n ( a ) ( willful non-compliance ) and 1681o ( negligent non-compliance ).

Fair Resolution to This Issue A fair and lawful re
solution requires complete deletion and confirmation of compliance as follows : 1. Immediate deletion of all data, tradelines, and reporting associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Written certification within 30 days that both tradelines have been permanently removed under 15 U.S.C. 1681i ( a ) ( 5 ) ; 3. Certification of non-re-insertion under 1681i ( a ) ( 5 ) ( B ) and confirmation that no future data on these accounts will be furnished ; 4. Referral to CFPB Enforcement and Supervision for formal review of TransUnions systemic failure to verify data following arbitration default ; and 5. Deletion of all internal records, metadata, and dispute notations associated with these accounts to prevent future automated reinsertion. 

Because XXXX arbitration default extinguishes both the alleged debt and the creditors reporting rights, continued publication by TransUnion constitutes an ongoing willful violation of federal law. 
To ensure compliance with XXXX XXXX XXXX XXXXXXXX, as well as the FCRA, FDCPA, and CFPB Accuracy Guidelines, both tradelines must be permanently and irreversibly deleted from my credit file.

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