Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX Subject : Formal Complaint for FCRA and FDCPA Violations XXXX  XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX ( XXXX ) for multiple and serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and federal CFPB regulations. 

Below is the specific account information : Creditor : XXXX XXXX Associates Original Creditor : XXXX XXXX XXXX 

Reported Balance : {$1000.00} Account Number : XXXX Date Opened ( Reported ) : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Closed : XX/XX/XXXX CRAs Reporting : TransUnion, Experian, and Equifax I. FCRA Violations 1. Illegal Re-aging of the Account ( FCRA 623 ( a ) ( 5 ) ) The DOFD is XX/XX/XXXX, but XXXX is reporting an " account opening '' date of XX/XX/XXXX, which artificially resets the reporting period and extends the time this derogatory account remains on my credit file. 
This is unlawful and constitutes deliberate re-aging. 

2. Reporting False, Conflicting, or Misleading Information ( FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ) ) Examples of inaccurate reporting : Reported as Open Account '' while also reported as Collection and Closed. 

Reported as XXXX XXXX Account and XXXX XXXX Account, which are materially inconsistent categories. 

Reporting monthly activity and new delinquency dates despite no activity and no payments. 

This demonstrates clear inaccuracy and failure to ensure maximum possible accuracy.

3. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) The account continues to report the same inaccurate information after my dispute, showing that no reasonable investigation took place.

II. FDCPA Violations 1. Misrepresentation of the Character or Legal Status of the Debt ( FDCPA 807 ( 2 ) ( A ) ) The account is falsely labeled under multiple categories ( Open Account, XXXX  AccountXXXX XXXX XXXX Account ), which misrepresents the true nature of the debt and is misleading to both CRAs and to me as the consumer. 

2. Continued Reporting Without Validation ( FDCPA 809 ( b ) ) XXXX continued to furnish negative information to the CRAs despite failing to provide proper validation of the debt during dispute.

III. Requested Action by CFPB I respectfully request that the CFPB : Initiate an investigation into XXXX XXXX XXXX. 

Compel XXXX to comply with FCRA and FDCPA requirements. 

Order the deletion of this account from all credit bureaus due to repeated unlawful reporting.

Impose penalties as appropriate for regulatory violations.

Thank you for your attention to this matter. I request written confirmation once the investigation has been initiated.

Sincerely,

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