Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing TransUnions continued reporting of several charged-off credit card tradelines after disputes and after another nationwide consumer reporting agencyXXXX XXXX deleted the same tradelines from my credit file. 

I disputed the XXXX XXXX XXXX XXXX XXXX XXXX credit card accounts with TransUnion because they were being reported as serious derogatory charge-offs with very high utilization. After my disputes, XXXX conducted its own reinvestigation and sent me a result letter dated around XX/XX/year>. In that letter, XXXX  states that the tradelines for XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX HAVE BEEN DELETED FROM THE CREDIT FILE. I am attaching that XXXX  letter as evidence that another nationwide CRA determined these tradelines should no longer be reported after reinvestigation. 

Despite this, TransUnion continues to report the XXXX XXXX XXXX XXXX XXXX XXXX XXXX card accounts as charged-off accounts with outstanding balances and derogatory status. On my TransUnion report, the XXXX tradeline is reported as Charged off as bad debt with a balance of {$6200.00} and a credit limit of only {$5500.00}, which results in a reported credit-usage rate of XXXX XXXX The XXXX XXXX XXXX tradeline is reported as Charged off as bad debt with a balance of {$9700.00} and a credit limit of {$9000.00}, showing credit usage of XXXX XXXX XXXX XXXXXXXX is reported similarly as a derogatory charged-off account. These over-limit percentages on closed, charged-off accounts significantly depress my scores and are inconsistent with the way XXXX handled the same tradelines ( by deleting them ). 

I asked TransUnion to provide the documents and investigation details it used to verify these tradelines, but TransUnion has not provided this information. Instead, TransUnion continues to report these charge-off accounts as accurate and notes dispute resolved, reported by grantor even though another CRA has deleted them and there are inconsistencies in the balances, limits, and dates across bureaus.

Under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681i ( a ), TransUnion must maintain reasonable procedures to assure maximum possible accuracy and must conduct a reasonable reinvestigation when information is disputed, deleting or correcting any information that is inaccurate or can not be verified. By continuing to report these charge-off tradelines with over-limit utilization and inconsistencies after XXXX has deleted them following its own reinvestigation, TransUnion is not assuring maximum possible accuracy and is not conducting a reasonable reinvestigation. This is materially harming my credit reputation and my ability to obtain credit.

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