Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Credit Report Dispute XXXX XXXX XXXX XXXX I am writing to dispute inaccurate and incomplete information appearing on my credit file with TransUnion. The account in question is : - Creditor XXXX XXXX XXXX - Reported Balance : {$3200.00} - Status : Charge-off/Profit and Loss Write-off This account contains reporting errors, including : 1. Payment history inaccuracies The record shows 'warnings ' and late payments across months where no such late payments were made.

2. Charge-off status is questionable The worst status shown is only '3059 days late, ' which does not align with a charge-off classification under FCRA reporting standards. 
3. Inconsistent dates The account is marked XXXX XXXX XXXX ' but still shows balance owed, which is contradictory reporting. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into this account. Please verify the accuracy of all reported information with the furnisher ( XXXX XXXX ). If the creditor can not substantiate the accuracy, this tradeline must be corrected or deleted. 

Please provide me with written confirmation of the results of your reinvestigation. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Credit Report Entry XXXX XXXX XXXXXXXX XXXX I am formally disputing the accuracy of the following tradeline on my XXXX credit report : - Creditor : XXXX XXXXXXXX - Balance Reported : {$3200.00} - Status : Charge-off/Profit and Loss Write-off The reporting is inaccurate and misleading for these reasons : 1. The payment history is not correctly documented, showing 'warning ' months without valid evidence.

2. The account status of 'Charge-off ' conflicts with the 'Worst Payment Status ' listed as only 3059 days late.

3. The account shows a 'Closed ' date but continues reporting a balance owed, which is inconsistent. 

As provided by the FCRA ( 15 U.S.C. 1681i ), I request that XXXX conduct a reinvestigation of this account. If the creditor can not fully verify all aspects of this reporting, the account must be updated or deleted from my file. 

Please send me written confirmation of the results of this reinvestigation. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Credit Report Dispute XXXX XXXX XXXX XXXX This letter is a formal dispute of the following account appearing on my XXXX  credit report : - Creditor XXXX XXXX XXXXXXXX - Balance : {$3200.00} - Reported Status : Charge-off/Profit and Loss Write-off I dispute the accuracy of this reporting for the following reasons : 1. The accounts 'charge-off " designation is not supported by the reported history, which only shows a 3059 day delinquency.

2. Payment history reporting is incomplete, showing multiple 'warning ' entries without proper documentation.

3. The account reflects as both 'Closed ' and still owing a balance, which is contradictory.

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that XXXX reinvestigate and verify the accuracy of this information. If the furnisher can not provide verified evidence, the item must be removed from my credit file. 

Please notify me in writing of the results of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Re : Complaint Regarding Inaccurate Credit Reporting XXXX XXXXXXXX XXXX XXXX  I am filing a complaint regarding inaccurate reporting of an auto loan by XXXX XXXXXXXX that is being reported by TransUnionXXXX XXXX, and XXXX 

The account details : - Creditor XXXX XXXX  XXXX - Balance Reported : {$3200.00} - Status : Charge-off/Profit and Loss Write-off - Account Opened : XX/XX/XXXX - Closed : XX/XX/XXXX Issues with reporting : 1. The account is reported as a charge-off, yet the worst status ever reported is only 3059 days late, which does not align with the definition of a charge-off.

2. The payment history contains vague and incomplete entries marked as 'warnings, ' with no clear evidence or proper reporting of actual delinquencies.

3. The account is marked closed but still shows an outstanding balance, creating contradictory reporting.

This reporting is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ). I have disputed this information with the credit bureaus, but it continues to be reported inaccurately. 

Requested Resolution : I am requesting that the CFPB ensure XXXX XXXXXXXX and the credit reporting agencies conduct a full investigation, remove or correct the inaccurate information, and provide me with confirmation of compliance. 

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