Consumer complaint received 2025-08-31 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ri XXXX XXXX XXXX XX/XX/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Charged-Off Account and Demand for Removal Under the Fair Credit Reporting Act ( FCRA ) To Whom It XXXX Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding a charged-off account currently appearing on my consumer report. The continued reporting of this account violates multiple provisions of federal law and is causing substantial and unjust harm to my financial standing and credit reputation. 
Account Details Creditor Name : XXXX XXXX Creditor Name : XXXX Account Number ( last XXXX digits ) : XXXX Account Number ( last XXXX digits ) : XXXX Date of First Delinquency : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Type of Error / Basis for Dispute Type of Error / Basis for Dispute Inaccurate balance Inaccurate balance Incorrect payment history Incorrect payment history No permissible purpose No permissible purpose Creditor Name : XXXX XXXXXXXX Creditor Name : XXXX XXXX  Account Number ( last XXXX digits ) : XXXX Account Number ( last XXXX digits ) : XXXX Date of First Delinquency : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Type of Error / Basis for Dispute Type XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX balance Incorrect payment history Incorrect payment history No permissible purpose No permissible purpose Creditor Name : XXXX Creditor Name : XXXX Card Account Number ( last XXXX digits ) : XXXX Account Number ( last XXXX digits ) : XXXX Date of First Delinquency : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Type of Error / Basis for Dispute Type XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX balance Incorrect payment history Incorrect payment history No permissible purpose No permissible purpose Creditor Name : XXXX XXXX Creditor Name : Affirm XXXX Account Number ( last XXXX digits ) : XXXX Account Number ( last XXXX digits ) : XXXX Date of First Delinquency : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Type of Error / Basis for Dispute Type XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX balance Incorrect payment history Incorrect payment history No permissible purpose No permissible purpose Creditor Name : XXXX  XXXX Account Number ( last XXXX digits ) : XXXX Date of First Delinquency : XX/XX/XXXX Type of Error / Basis for Dispute Inaccurate balance Incorrect payment history No permissible purpose Legal Basis for Dispute and Demand for Deletion Under FCRA XXXX ( a ) ( XXXX ), adverse information such as a charge-off XXXX not be reported beyond XXXX years from the date of the first delinquency leading to the charge-off. If the item exceeds that limit, its continued publication is unlawful and must be removed immediately. 
In addition, FCRA 1681e ( b ) requires that consumer reporting agencies maintain maximum possible accuracy in all data reported. If any information regarding this charged-off account is inaccurate, outdated, or unverifiable, it must be corrected or deleted without delay.

Furthermore, under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation upon receiving notice of a dispute. I demand that you initiate a full reinvestigation and provide written verification from the original furnisher, not merely rely on automated systems such as XXXX 
In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court affirmed that CRAs have a non-delegable duty to perform reasonable investigations when a consumer disputes an item. Failing to do so constitutes negligent or willful noncompliance, actionable under 15 U.S.C. 1681n and 1681o.

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