Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
am writing to formally dispute the accuracy, completeness, and legality of the XXXX account information currently being reported on my credit file. This dispute is being made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Upon reviewing my credit reports from TransUnion, Experian, and XXXX, I have identified multiple inconsistencies and inaccuracies that demonstrate a failure to uphold the FCRAs maximum possible accuracy standard outlined in 15 U.S.C. 1681e ( b ).

Identified Discrepancies Across the Three Bureaus 1. Inconsistent Opening Dates 2.
3. 4. 
TransUnion lists the account as opened on XX/XX/XXXX, while Experian lists the opening date as XX/XX/XXXX. 
These inconsistent reporting dates indicate unreliable data handling and directly violate 15 U.S.C. 1681e ( b ), which mandates accuracy in consumer credit reporting.

Contradictory Account Activity and Reporting Dates TransUnion reports the account as last active on XX/XX/XXXXXXXX  and last reported on XX/XX/XXXX, Experian lists last activity as XX/XX/XXXXXXXX  and last reported on XX/XX/XXXX. 
XXXX  does not reflect identical information. 
These variations create confusion and suggest improper synchronization of updates between furnishers and credit bureaus, violating 15 U.S.C. 1681i ( a ), which requires reinvestigation and correction of disputed information.

5. Misleading Account Classification The account is reported as a Collection/Charge-Off while simultaneously classified as a Line of Credit.

This is contradictoryan active line of credit can not be simultaneously charged off and in collection. Such dual status reporting is deceptive and violates 15 U.S.C. 1681s-2 ( a ) 6. 7.
8. 9. ( 1 ) ( A ), which prohibits furnishers from reporting information known to be inaccurate or misleading
. 
Discrepancies in Comments and Descriptions TransUnion lists : Collection Account/ Credit line suspended. 
Experian states : Account seriously past due/ assigned to attorney, collection agency, or internal collection department. 
These two versions differ significantly in interpretationone implying suspension, the other implying transfer to legal collections. This creates conflicting impressions of the same account, which is a violation under 15 U.S.C.

1681i ( a ) ( 5 ) ( A ), requiring consistent reinvestigation results across reporting agencies. 
Incomplete Payment History and Data Gaps Experian displays prior late payments and delinquency codes ( 30, 60, 90 days late ), while TransUnion does not report any payment history at all. This selective omission of negative history across bureaus produces an inaccurate and incomplete credit picture, violating 15 U.S.C. 1681e ( b ) s requirement for uniform accuracy. 
Balance and Credit Limit Confusion The High Credit and Credit Limit are both listed as {$2400.00}, but the Balance is reported as {$3000.00}, exceeding the credit limit. This implies an overextension that may not be properly validated. If XXXX can not produce documentation showing that this overage occurred lawfully, this reporting must be considered inaccurate under 15 U.S.C.

1681i ( a ) ( 1 ) ( A ).

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