Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
Respondents : TransUnion, Experian Subject : New FCRA / state / XXXX XXXX XXXX to XXXX XXXX XXXXXXXX XXXX XXXX CC ) and XXXX XXXX XXXX XXXX XXXX report dated XX/XX/XXXX ). 

What happened ( brief facts ) XXXX closed tradelines continue to be misreported in a way that fabricates utilization and derogatory impact : XXXX XXXX XXXXXXXX ( secured credit card ) account long closed, yet shown as Charge-off with active limit ( {$3000.00} ), balance ( {$1200.00} ) and a fresh XXXX Reported XX/XX/XXXX ; fields conflict with closure/last activity dates. 
XXXX XXXX XXXX ( lease ) Closed / obligation satisfied, yet legacy XX/XX/XXXX blocks linger without proper post-closure treatment, overstating derogatory history. 

These issues arise after prior disputes and despite another CRA removing the BoA tradeline, indicating process failures unique to TransUnion and Experian. 

New legal violations ( not previously asserted ) XXXX. FCRA 607 ( a ) CRAs must maintain reasonable procedures to avoid unlawful dissemination and re-aging. Persisting with a closed charge-off displayed as revolving ( limit/utilization ) and pushing a fresh Last Reported date shows procedural failure.

2. FCRA 611 ( a ) ( 5 ) ( C ) CRAs must have procedures to prevent reinsertion of deleted/unverifiable data without proper certification. After XXXX removal, XXXX should have blocked reappearance absent certified verification. 
XXXX. FCRA 611 ( a ) ( 2 ) ( B ) Reinvestigation must review all relevant information. Conflicting fields remained, proving the CRAs did not consider all evidence during reinvestigation.

4. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Result notice must advise of the right to add a consumer statement ; CRAs failed to properly enable/reflect my statement in disclosures.

5. FCRA 611 ( a ) ( 7 ) Failure to provide the description of procedure ( method, ACDV/AUD IDs, timestamps, sources ) used to verify these items.

6. FCRA 609 ( a ) ( 3 ) Right to the full list of users who accessed my report in the last 12 months while these inaccuracies were present ( to remediate downstream harm ).

7. FCRA 623 ( b ) ( 1 ) ( E ) Furnisher-correction consistency : once corrected/removed with one CRA ( Equifax ) , the furnisher must ensure matching corrections with all CRAs ; TU/EX records show this did not occur. 
XXXX. XXXX XXXXXXXX XXXX ( c ) My consumer statement must be included in all disclosures until final resolution ; it is not properly shown. 
XXXX. XXXX XXXX, 12 U.S.C. 5536 ( formerly XXXX ) UDAAP : presenting a closed charge-off as revolving with limit/utilization unfairly distorts credit risk and harms access to credit ; this is an unfair/deceptive practice suitable for administrative enforcement. 

( : 605/611 ( c ) XXXX XXXX XXXX .. ;. ) Requested relief ( XXXX set covering both CRAs ) XXXX. Manual compliance suppression/deletion of the XXXX and XXXX tradelines ; removal of any utilization contribution and post-closure derog blocks. 
XXXX. Full reinvestigation under 611 ( a ) ( 2 ) ( B ) and a complete description of procedure under 611 ( a ) ( 7 ) ( XXXX IDs, response codes, timestamps, and data sources ). 
XXXX. Written confirmation that anti-reinsertion procedures required by XXXX ( a ) ( XXXX ) ( C ) are in place and applied ; no reappearance absent certified furnisher verification. 
XXXX. Produce the full list of users under 609 ( a ) ( 3 ) who accessed my file within the past 12 months while the inaccuracies were present. 
XXXX. Properly enable and show my consumer statement per XXXX XXXX ( c ) until full deletion. 
XXXX. Off-cycle updates to ensure downstream recipients do not rely on tainted data ; written confirmation within XXXX business days. 

XXXX & potential penalty request Please refer this matter to CFPB Enforcement under FCRA XXXX and XXXX 12 U.S.C. 5565 for appropriate civil penalties, injunctive relief, and compliance orders against both CRAs for systemic, repeated non-compliance. 
Please notify the California XXXX for XXXX state enforcement under XXXX. 
Criminal caveat ( only if facts support ) : if your investigation finds any party obtained or used my consumer report under false pretenses, please evaluate FCRA 619 ( 15 U.S.C. 1681q ) for potential criminal liability. ( I am not alleging false pretenses at this time ; I request evaluation contingent on your findings. )

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