Consumer complaint received 2025-10-24 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: CO

Complaint narrative:
After reviewing my credit reports in XX/XX/XXXX, I discovered that several accounts remain reported inaccurately even though they have been paid, settled, or closed in good standing. 
Despite completing settlements and final payments between XXXX and XXXX, some creditors continue to report charge-offs, delinquencies, or duplicate tradelines that are not accurate. 

I contacted the original creditors to confirm the status of these accounts, and they verified that all balances were paid in full or settled for less than the full amount, with no remaining debt owed. However, these updates were not properly transmitted to the credit bureaus. 

This has negatively affected my credit standing even though I have fulfilled all payment obligations. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ), I am requesting reinvestigation and correction of these entries to ensure the accuracy of my credit file. 

Key dates and actions : XX/XX/XXXX XX/XX/XXXX : Final settlements completed with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XX/XX/XXXX : XXXX XXXX settlement ( {$1500.00} payment recorded ). 

XXXX XXXX : Confirmed XXXX balances with creditors via statements and customer service calls. 

XX/XX/XXXX : Discovered ongoing negative remarks still reporting and filed this dispute for correction/deletion. 
Dear XXXX  Dispute Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ). I have reviewed my credit report and identified several accounts that are either paid, settled, or closed in good standing but continue to report inaccurately. I request that you investigate each item listed below and either correct or delete any unverifiable or inaccurate information. 
Accounts to Be Corrected or Deleted : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid or settled ; update to Paid as Agreed. 
XXXX XXXX XXXX XXXX XXXX XXXX  Paid settlement ; delete per FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed/paid ; update to Paid and Transferred. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Paid settlement ; remove charge-off remarks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid ; update to Closed/Paid as Agreed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Paid ; remove duplicate/outdated entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Paid ; correct to zero balance and delete late marks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Paid charge-off ; request deletion. 
Legal Authority : - FCRA 611 ( a ) : Requires consumer reporting agencies to reinvestigate disputed information within 30 days. 
- FCRA 607 ( b ) : Requires maximum possible accuracy in consumer reports. 
- FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reason to believe is inaccurate. 
If the disputed items can not be verified, they must be deleted or corrected immediately. I request written confirmation of your findings and updates. Please send your results to the address listed below.

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