Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
see attachments : I am disputing the reporting of my paid XXXX XXXX  XXXX account on my TransUnion credit file. This account, fully paid and closed in XX/XX/year>, continues to be inaccurately reported as a charge-off with derogatory payment history, violating FCRA XXXX, XXXX ( b ) [ XXXX USC XXXX XXXX b ) ], XXXX ( a ), and XXXX ( a ) ( XXXX ) as well as XXXX & XXXX XXXX XXXX XXXX standards. 

XXXX XXXX Compliance Issues Account Status Code is not updated to reflect Paid Closed ( Code XXXX ). 

Payment History Profile retains derogatory marks post-payment. 

FCRA Compliance Date, DOFD, and Special Comment Codes are inconsistent or missing. 

Slash entries and auto-populated fields violate XXXX XXXX XXXX entry rules. 

XXXX Data Accuracy Failures The reported tradeline fails multiple mandatory fields, including Balance Amount, Past Due Amount, FCRA Compliance Date, Creditor Classification Code, and Trailing Segment accuracy. The account is being reported in a way that misrepresents its legal standing and causes harm to my creditworthiness. 

Steps I Took : I have previously disputed this account with TransUnion multiple times, but the responses have been generic verified notices without any original source documentation. I specifically requested : The XXXX P-Segment data as furnished Full payment ledger and charge-off calculation breakdown Names, addresses, and contact numbers of all persons contacted during reinvestigation TransUnion has failed to provide this required proof, instead relying on automated e-OSCAR responses that do not constitute meaningful reinvestigation under FCRA XXXX ( a ). 

Violation Summary FCRA XXXX ( a ) : No meaningful reinvestigation within XXXX  days. 

FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy. 

FCRA XXXX ( a ) ( XXXX ) : Reporting information known to be inaccurate. 

XXXX XXXX XXXX XXXX Incomplete, inaccurate, and untimely reporting ; missing required fields ; trailing segment violations. 

What I Want : Immediate deletion of the XXXX XX/XX/XXXXXXXX account XXXX my TransUnion file if full XXXX XXXX XXXX can not be produced. 

If retained, update to Paid Closed, Never Late with complete removal of all derogatory history. 

Provide me with an updated TransUnion credit report at no charge per FCRA XXXX. 

Send correction notices to all recipients of my credit report in the last XXXX months. 

Supporting Evidence Detailed list of missing and inaccurate XXXX XXXX fields Dates showing full payment and account closure ( XX/XX/year> ) Past dispute correspondence showing TransUnions failure to provide required proof Declaration : I certify under penalty of perjury that the information in this complaint is true and correct to the best of my knowledge and belief.

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 explanation