Consumer complaint received 2025-06-20 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: MI

Complaint narrative:
I am filing this formal complaint against TransUnion, LLC and the following furnishers of information for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This complaint is based on numerous instances of inaccurate, unverifiable, outdated, and incomplete information appearing on my TransUnion credit report dated XX/XX/XXXX SUMMARY OF VIOLATIONS AND ACCOUNTS IN DISPUTE XXXX  XXXX ( Account Ending XXXX ) Status : Charged-Off Date Closed : XX/XX/XXXX Balance : {$3600.00} Violation : The account is reporting as charged off while still listing a balance as due, which is misleading and legally contradictory. This constitutes inaccurate reporting under 15 U.S.C. 1681e ( b ).

Relief Requested : Permanent deletion of this tradeline from my consumer file. 


XXXX XXXX ( Account Ending XXXX ) Status : Charged-Off Date Closed : XX/XX/XXXX Balance : {$770.00} Violation : The account history includes inconsistent and confusing reporting periods, missing updates, and payment records suggesting a balance yet no consistent payment history, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

Relief Requested : Permanent deletion of this tradeline from my consumer file. 


XXXX XXXX  ( Account Ending XXXX ) Status : Charged-Off Date Closed : XX/XX/XXXX Balance : {$3500.00} Violation : This account continues to report a balance despite its charge-off status, which is misleading and creates a false impression of an ongoing obligation. This violates 15 U.S.C. 1681e ( b ) and 1681i.

Relief Requested : Permanent deletion of this tradeline from my consumer file. 


The XXXX XXXX/ XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Issue : Listed as charged off despite an open dispute with the furnisher. 
No validation of debt has been provided. 
Reporting of a balance post-charge-off is misleading under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

Violation ( s ) : FCRA 1681i ( a ) ( 5 ) ( A ) : Failure to delete inaccurate information after reinvestigation.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) : Furnisher failed to conduct a proper reinvestigation. 



XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charged off account showing a balance of {$10000.00} with no proof of validation. 
Account closed as of XX/XX/XXXX, yet still updated monthly which can be considered re-aging under FCRA. 
No payment received, yet status remains as Charge-Off without updated resolution. 

Violation ( s ) : FCRA 1681c ( a ) ( 4 ) : Obsolete information must be removed after 7 years.

FCRA 1681i : Failure to verify or correct disputed information.

FCRA 1681e ( b ) : Reporting outdated/incomplete payment history. 

XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charged off account closed in XXXX still reporting active balances. 
No validation provided for the alleged debt despite dispute attempts. 
Account is being reported inconsistently across months, which is deceptive and harms consumer creditworthiness.

Violation ( s ) : FCRA 1681s-2 ( a ) : Furnisher reporting inaccurate data.

FCRA 1681i ( a ) : CRA failure to conduct a reasonable reinvestigation.

FCRA 1681e ( b ) : Failing to ensure data accuracy and completeness.

LEGAL BASIS FOR COMPLAINT Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These accounts demonstrate clear inaccuracies and/or inconsistencies.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), once a consumer disputes any item, the credit bureau is required to perform a reasonable reinvestigation. Based on my records, no such verification was provided or disclosed.

Under 15 U.S.C. 1681s-2 ( b ), furnishers are obligated to conduct investigations upon notice of dispute and correct or delete inaccurate or unverifiable information. The continued presence of these accounts shows noncompliance. 


Please notify me of the results of your investigation and any actions taken. 

Based on the TransUnion credit report you provided, here is an aggressive, legally grounded CFPB complaint letter citing FCRA violations and demanding permanent deletion of all negative accounts that are inaccurate, unverifiable, outdated, or incomplete. 

Violation ( s ) : FCRA 1681s-2 ( a ) : Furnisher reporting inaccurate data.

FCRA 1681i ( a ) : CRA failure to conduct a reasonable reinvestigation.

FCRA 1681e ( b ) : Failing to ensure data accuracy and completeness.

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 explanation