Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a Texas consumer disputing inaccurate and inconsistent reporting of a XXXX XXXX XXXX ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent written disputes to TransUnion, Experian, and Equifax and am filing this complaint because the tradeline continues to contain contradictions that harm my credit. 

Key inaccuracies and contradictions ( from my attached screenshot ) : High Balance : TU and EQ show {$700.00}, but Experian = {$0.00}, which is impossible for a chargedoff account. 

Credit Limit : TU/EX show {$500.00}, while Equifax = {$0.00}, distorting utilization.

Closed Date : TU shows XX/XX/XXXX ; Experian and Equifax show no closed date.

Date of Last Activity / Last Payment : Conflicting dates (
TU/EX show XX/XX/XXXX last payment ; EQ shows XX/XX/XXXX ; XXXX differs across all three ). 

Date Opened : TU XX/XX/XXXX vs EX/EQ XX/XX/XXXX. 

Dispute Status : TU/EX say Account not disputed, while Equifax shows Account disputed. 

Creditor Type classification differs ( TU/EX Bank Credit Cards vs EQ All Banks ). 

Past Due Amount is carried as {$580.00} while Payment Status = Collection/Chargeoff and Account Status = Closed, which is misleading for post chargeoff Metro2 reporting.

Postclosure derogatories : The twoyear payment history shows XXXX boxes into XXXX despite the TU closed date of XX/XX/XXXX. 

Laws/rights implicated : FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 611 ( reinvestigation & method of verification ), FCRA 623 ( a ) ( furnisher accuracy and duty to correct ), FCRA 623 ( a ) ( 5 ) ( no reaging of the DOFD ), Regulation V, 12 C.F.R. 1022.42.43 ( furnisher policies & direct disputes ), and the Texas Consumer Credit Reporting Act ( Texas Business & Commerce Code, Chapter 20 ) requiring deletion of inaccurate, incomplete, or unverifiable information. ( If any thirdparty collector was involved, Texas Finance Code, Chapter 392 also applies. ) Requested relief : Correct the tradeline to fully consistent, verified data : Closed 12/30/2024 ( or verified date ) ; Balance/Past Due treated per Metro2 for chargeoff ; Status Chargeoff without implying a current past due ; Credit Limit {$500.00} ( or verified ) ; High Balance corrected from {$0.00} at Experian to the true value ; DLA/Last Payment aligned ; no postclosure reaging ; provide the DOFD.

Provide the method of verification and the DOFD used by each CRA.

If the companies can not verify with complete, consistent records, delete the tradeline and notify me in writing.

Harm : These contradictions depress my credit scores and adversely affect access to credit and pricing.

Attachments : Annotated screenshot, copies of disputes to each CRA and to XXXX XXXX, ID and proof of address, CRA responses.

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