Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am submitting this formal complaint regarding numerous inaccuracies on my credit report that are severely affecting my financial standing, creditworthiness, and ability to obtain fair credit. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ), 1681i, 1681s-2 ( b ), and other applicable federal laws. I demand immediate investigation and correction of all inaccurate information. Below I have provided details of each disputed item, the applicable law, and an explanation of the factual circumstances. 
Account : XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Chargeoff Issue : The account is reported as a chargeoff despite a zero-dollar balance, which is contradictory and misleading.

Law : FCRA 1681e ( b ) requires consumer reporting agencies to maintain maximum possible accuracy ; FCRA 1681i ( a ) requires a reasonable reinvestigation of disputed information and deletion of any item that can not be verified ; FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or reasonably should know is inaccurate.

Story : I have records reflecting that this account was resolved with no amount due, yet it is still labeled as a chargeoff. A chargeoff normally indicates an unpaid defaulted balance written off by the creditor ; pairing that status with a zero balance creates a false impression that I defaulted and then did not pay, which is not accurate. The most likely causes are a coding error during monthly Metro 2 furnishing, a failure to update the status after resolution, or an internal batch reporting mistake at the furnisher. The effect is significant : the chargeoff label depresses my credit scores, triggers adverse action from lenders, and misrepresents my payment integrity. Please obtain from the furnisher the original signed agreement, full billing statements covering the alleged delinquency period, the payment ledger showing how the balance reached {$0.00}, any settlement or payoff confirmation, and any Form 1099-C if one was ever issued. If the furnisher can not produce documentary proof supporting a valid chargeoff status, TransUnion must remove the chargeoff notation and correct or delete the entry pursuant to 1681i ( a ). 
Account : XXXXXXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Chargeoff Issue : The account is reported as a chargeoff while simultaneously reflecting a zero-dollar balance, resulting in an internally inconsistent and harmful entry.

Law : FCRA 1681e ( b ) mandates maximum possible accuracy ; FCRA 1681i ( a ) requires reinvestigation and deletion of unverifiable information ; FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report accurate information and correct previously supplied inaccurate information.

Story : My records indicate this account was closed with no outstanding balance. Reporting it as a chargeoff conveys to lenders that I defaulted, which is inaccurate and materially prejudicial. This appears to be either a stale status never updated after resolution, a misclassification by the furnisher, or a processing error during data transmission. The harm is concrete : the presence of a chargeoff has caused higher pricing on credit offers and skepticism from underwriters who rely on derogatory coding to assess risk. TransUnion should secure from XXXXXXXX XXXX the complete account history, including the payment ledger, statements during the purported default period, notice of chargeoff, and documentation of the final XXXX balance or settlement. If XXXX can not substantiate a legitimate chargeoff with original records, TransUnion must delete or correct this entry in accordance with 1681i ( a ).

Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ), please conduct a reasonable reinvestigation of each disputed account, contact the furnishers, and obtain original, verifiable documentation supporting the reported status. If any item can not be verified with competent records, delete it from my credit file and provide me an updated copy of my TransUnion report reflecting all corrections. Please also provide the method of verification, the names and contact information of each furnisher you contacted, and copies of any documents relied upon to verify the items you choose to keep.

I request that all inaccuracies, including false addresses, late payments, charge-offs, collections, and unauthorized inquiries, be immediately investigated, corrected, or removed as mandated by federal law. I further request written confirmation once corrections are made, along with an updated copy of my corrected credit report.

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