Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
XXXX has admitted to reporting a charged-off loan balance of {$9900.00} even after obtaining a judgment for {$11000.00} in XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. By its own admission, the loan was extinguished by judgment but is still being furnished as a tradeline. This violates multiple federal and state consumer protection laws. 



XXXX. Admissions by XXXX XXXX charged off on XX/XX/XXXX ( {$9900.00} ). 
Lawsuit filed XX/XX/XXXX ; judgment entered XX/XX/XXXX ( {$11000.00} ). 
XXXX admits judgment does not eliminate the debt and continues reporting the loan tradeline. 
XXXX acknowledges the discrepancy in balances but claims it is not an error. 



XXXX. Laws and Consumer Protections Violated Fair Credit Reporting Act ( FCRA ) : XXXX ( b ) : Reports must be accurate and not misleading. A charged-off loan reported after judgment exists is materially false. 
XXXX : Once disputed, the bureau must delete or correct information that can not be verified. XXXX admitted it can not explain away the contradiction, yet verified the account. 
XXXX ( a ) ( XXXX ) : Furnishers can not report information they know is inaccurate. A loan that legally merged into a judgment is no longer accurate to report. 
XXXX ( b ) : After receiving a dispute, furnishers must conduct a reasonable investigation. XXXX admitted it refuses to provide a method of verification a direct violation supported by XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Fair Debt Collection Practices Act ( FDCPA ) : XXXX ( XXXX ) ( A ) : It is a deceptive practice to misrepresent the character, amount, or legal status of a debt. Continuing to show a loan balance when the enforceable obligation is a judgment is a direct violation. 
XXXX ( XXXX ) : Reporting false credit information is specifically prohibited. 

North Carolina Law : NC Unfair & Deceptive Trade Practices Act ( XXXX XXXX XXXX. XXXX ) : Knowingly furnishing a tradeline that no longer exists constitutes an unfair and deceptive act that harms creditworthiness. 
NC XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ) : Prohibits deceptive representations of a debts character or amount. 

XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX. XXXX ) : Prohibits unfair, deceptive, or abusive acts or practices ( XXXX ). By continuing to verify a tradeline that has been extinguished by judgment, XXXX engages in unfair and deceptive conduct. 

Tortious Interference with Credit Expectancy : Courts recognize that deliberately poisoning a consumers credit file interferes with future economic opportunities. XXXX actions fit squarely within this tort. 



XXXX. Why This Conduct Is Especially Harmful Double Jeopardy Effect : Even though the judgment isnt on my reports, the loan tradeline itself is false because the underlying contract no longer exists. It suggests I owe on a loan that has already been replaced by a judgment. 
Conflicting Balances : Lenders see {$9900.00} on the tradeline while the court judgment says {$11000.00}. This creates material confusion, impairing my ability to access credit. 
XXXX Investigations : XXXX refusal to disclose how it investigated my disputes shows that they are verifying without true review a violation that courts have struck down as insufficient. 
Pattern of Abuse : In XXXX, the CFPB fined XXXX {$20.00} XXXX ( Consent Order XXXX ) for deceptive practices. This is not an isolated error it is part of a continuing pattern.

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