Consumer complaint received 2025-09-01 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: MD

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/year> Re : Complaint Against Capital XXXX Auto Finance Improper Credit Reporting During Active Investigation Account No. : XXXX To Whom It XXXX Concern : I am filing this complaint against XXXX XXXX XXXX XXXX for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related to their handling of my dispute regarding the above-referenced account. On XX/XX/year>, I submitted a formal written dispute directly to XXXX XXXX, challenging the accuracy of XXXX delinquencies reported for XX/XX/year> and XX/XX/year>. I provided all supporting documentation, including proof of identity, proof of address, and my credit report. In that letter, I specifically cited XXXX Ones legal duty under 15 U.S.C. 1681s-2 ( a ) ( XXXX ) to mark the account as in dispute while the investigation was pending. Instead of following the law, XXXX XXXX updated the tradeline on my credit report without including the required dispute notation. Updating or continuing to report disputed information without properly marking the account as disputed is a direct violation of the FCRA and materially misleads creditors and lenders reviewing my report. Violations by XXXX XXXX XXXX to Mark Account as Disputed Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers must report an account as disputed when notified of a consumers dispute. XXXX XXXX failed to comply. Improper Updating During Investigation While an investigation is pending, furnishers must not alter or update the account in a way that omits the dispute status. XXXX XXXX continued updating the tradeline, creating the false impression that the account was verified without resolution of the dispute. Failure to XXXX a Reasonable Investigation Capital One has not yet provided documentary proof ( billing statements, delinquency notices with mailing evidence, or payment records ) to substantiate the alleged late payments. Instead, they simply updated the credit report, sidestepping their statutory duty to investigate under 15 U.S.C. 1681s-2 ( b ). XXXX Requested I respectfully request that the CFPB : XXXX XXXX XXXX to immediately mark this tradeline as in dispute with all credit reporting agencies until the investigation is resolved. Require XXXX XXXX to cease reporting unverifiable delinquencies unless they can provide competent documentary evidence of their accuracy. Investigate XXXX Ones compliance practices regarding FCRA 1681s-2 ( a ) ( 3 ) and 1681s-2 ( b ). Ensure correction or removal of any inaccurate or incomplete reporting from my credit file. Enclosed with this complaint are : My original dispute letter ( dated XX/XX/year> ) Supporting documentation provided to XXXX XXXX XXXX credit report showing improper updates without the required dispute notation Thank you for your attention to this matter. I request that the CFPB hold XXXX XXXX accountable for their violations and ensure fair credit reporting practices are followed.

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