Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
Exhibit D CFPB Complaint XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ) Full FCRA Violations and Legal Basis XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX | SSN ( Last XXXX ) : XXXX Email : XXXX | Phone : XXXX Date : XX/XX/XXXX This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX  ). Both furnishers have reported duplicate, misleading, and re-aged information about the same {$17000.00} debt, resulting in significant harm to the consumers creditworthiness and violating federal accuracy and reinvestigation obligations. 
DETAILED FCRA VIOLATIONS AND LEGAL BASIS : 1. FCRA 607 ( b ) Duty to Assure Maximum Possible Accuracy : XXXX XXXX reports Date Updated : XX/XX/XXXX, a future date that has not occurred. 
Furnishing future or false account activity constitutes inaccurate reporting under 607 ( b ). 
2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information : Both XXXX XXXX and XXXX report the same {$17000.00} account as active and collectible. Dual reporting of one obligation misleads creditors and inflates debt exposure, violating 623 ( a ) ( 1 ) ( A ). 
3. FCRA 623 ( a ) ( 3 ) Duty to Report Disputed Information : Neither tradeline reflects the required Account information disputed by consumer ( FCRA ) notation. Omitting this status deprives lenders of fair notice of an active dispute and violates 623 ( a ) ( 3 ) and CFPB Bulletin XXXX. 
4. FCRA 623 ( a ) ( 5 ) ( A ) Accurate Date of First Delinquency ( DOFD ) : XXXX XXXX removal date ( XX/XX/XXXX ) indicates a DOFD around XXXX. XXXX  Date Opened : XX/XX/XXXX re-ages the debt, unlawfully extending the reporting period beyond the seven-year limit. This is prohibited under 623 ( a ) ( 5 ) ( A ) and 605 ( c ). 
5. FCRA 611 ( a ) ( 1 ) ( A ) Failure to Conduct Reasonable Reinvestigation : Upon prior disputes, TransUnion and XXXX XXXX relied solely on automated e-Oscar verifications without human review, failing to perform a reasonable reinvestigation as mandated by 611 ( a ) ( 1 ) ( A ). 
6. FCRA 605 ( c ) Seven-Year Reporting Limitation : By re-aging the account to XXXX, XXXX extends negative reporting past the allowable seven-year limit ( through XXXX ), in direct violation of 605 ( c ). 
IMPACT ON CONSUMER : The duplicate and re-aged reporting of this {$17000.00} account has caused measurable harm, including credit score suppression, credit denials, and emotional distress. The false Date Updated and duplicative tradeline artificially exaggerate delinquency recency, further damaging the consumers reputation and financial standing. These violations represent both willful and negligent noncompliance under 616617. 
REQUESTED FAIR RESOLUTION : 1. Immediate deletion of one duplicate tradeline ( XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX ). 
XXXX. Correction of all future-dated and inaccurate fields, including Date Updated : XX/XX/XXXX. 
XXXX. Verification of the original DOFD ( XXXX ) consistent with XXXX XXXX removal date of XX/XX/XXXX. 
XXXX. Provision of written proof of ownership and assignment from XXXX XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX. 
XXXX. Inclusion of the Account information disputed by consumer ( FCRA ) notation until full verification is complete ( 623 ( a ) ( 3 ) ). 
XXXX. A human-based reinvestigation under 611 ( a ) ( 1 ) ( A ) by TransUnion and both furnishers. 
XXXX. Certification that the account will be deleted no later than XX/XX/XXXX, in compliance with 605 ( c ). 
XXXX. Delivery of written confirmation of all corrective actions and deletions under 611 ( a ) ( 6 ). 
NO REINSERTION CLAUSE FCRA 611 ( a ) ( 5 ) ( B ) : Deleted or corrected tradelines may not be reinserted into a credit report without full human verification and written notice to the consumer within five ( 5 ) business days. Unauthorized reinsertion constitutes willful noncompliance and subjects the furnisher and credit reporting agency to statutory damages. 
Respectfully submitted, XXXX XXXX XXXX : XX/XX/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