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:
XXXX XXXX XXXX Lower XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX CFPB XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern : This complaint is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I am disputing the reporting practices of XXXX XXXX XXXX XXXX and XXXX Bank in connection with Account # XXXX, which is being inaccurately reported on my TransUnion credit file. The information furnished is demonstrably false, misleading, and has failed human verification despite multiple prior disputes. 
Summary of Disputed Account : - Original Creditor : XXXX Bank - XXXX : XXXX XXXX XXXX XXXX - XXXX : {$1600.00} - Date Opened : XX/XX/XXXX - Date Updated : XX/XX/XXXX - Pay Status : Collection - Remarks : Placed for Collection Detailed Violations : XXXX. Violation of FCRA 607 ( b ) Accuracy of XXXX : TransUnion and the furnisher have failed to ensure maximum possible accuracy. The Date Updated of XX/XX/XXXX is a future date, an impossibility under federal law, indicating data manipulation or error propagation. 
XXXX. Violation of FCRA 623 ( a ) ( XXXX ) ( A ) Furnishing Information with Knowledge of Errors : XXXX XXXX XXXX furnished data that they knew, or should have known, was inaccurate. Reporting this account as active and open contradicts the original creditors charge-off record. 
XXXX. Violation of FCRA 623 ( a ) ( 5 ) ( A ) Improper Re-Aging of Debt : The accounts Date Opened of XX/XX/XXXX unlawfully re-ages the debt, effectively resetting the XXXX reporting limit in violation of the FCRA. 
XXXX. Violation of FCRA 611 ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation : Despite multiple disputes and requests for human verification, TransUnion has repeatedly reinserted and verified the same erroneous data without validation from the original creditor. 
XXXX. Violation of FCRA 605 ( c ) Reporting Beyond the Permissible Period : This accounts projected removal date exceeds XXXX years from the original delinquency, violating the statute of limitations for negative credit data. 
XXXX. Violation of FCRA 623 ( a ) ( 3 ) Failure to Report Dispute : XXXX XXXX failed to consistently communicate that the account is disputed by the consumer to all credit bureaus. 
No Reinsertion Clause : In accordance with FCRA 611 ( a ) ( 5 ) ( B ), this tradeline shall not be reinserted into my file unless the furnisher provides certified documentation verifying the debts accuracy and ownership. Unauthorized reinsertion will constitute willful noncompliance subject to penalties. 
Requested Resolution : - Immediate deletion of the XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ). 
- Written confirmation that this data has been permanently removed and will not be reinserted. 
- Full disclosure of the investigation method used and source of data verification. 
- Statutory damages of {$1000.00} per violation, as permitted under FCRA 616 and 617.

Conclusion : I have acted in good faith and have repeatedly attempted resolution through standard dispute channels. The continued reporting of this account constitutes reckless disregard for federal law and has caused measurable harm to my creditworthiness. Please treat this as a formal complaint and ensure immediate 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