Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
Exhibit D CFPB XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Full FCRA Violations and Legal Basis XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX | SSN ( Last XXXX ) : XXXX Email : XXXX | Phone : XXXX Date : XX/XX/XXXX This formal complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) concerning multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) involving duplicate and re-aged reporting of the same {$630.00} account originally from XXXX XXXX XXXXXXXX XXXX, now reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both furnishers have supplied inaccurate, misleading, and future-dated information that misrepresents the consumers financial standing and violates several federal provisions. 
DETAILED FCRA VIOLATIONS AND LEGAL BASIS : XXXX. FCRA 607 ( b ) Duty to Assure Maximum Possible Accuracy : XXXXXXXX XXXX  lists Date Opened : XX/XX/XXXX and Date Updated : XX/XX/XXXX, both of which are future dates that have not yet occurred. Reporting future-dated information constitutes falsification of data and violates XXXX ( b ). 
XXXX. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  both report the same {$630.00} obligation as active and collectible, thereby duplicating the account and misrepresenting the total debt owed, in direct violation of 623 ( a ) ( 1 ) ( A ). 
XXXX. FCRA 623 ( a ) ( 3 ) Duty to Report Disputed Information : Neither tradeline shows the required Account information disputed by consumer ( FCRA ) notation. Omission of this disclosure misleads potential creditors and violates 623 ( a ) ( 3 ) and CFPB XXXX XXXX. 
XXXX. FCRA 623 ( a ) ( 5 ) ( A ) Accurate Reporting of the Date of First Delinquency XXXX XXXX XXXX : XXXX XXXX XXXX XXXX removal date of XXXX/XXXX implies a DOFD in XXXX. XXXX XXXX Date Opened : XX/XX/XXXX re-ages the account, extending negative reporting beyond the lawful seven-year limit. This violates 623 ( a ) ( 5 ) ( A ) and 605 ( c ). 
XXXX. FCRA 611 ( a ) ( 1 ) ( A ) Reasonable Reinvestigation Required : Despite multiple disputes, TransUnion and XXXX XXXX have relied solely on automated e-Oscar responses without human review, violating the consumers right to a meaningful reinvestigation under 611 ( a ) ( 1 ) ( A ). 
XXXX. FCRA 605 ( c ) Seven-Year Reporting Limitation : Negative accounts may not remain beyond XXXX years from the original delinquency date. By re-aging to XXXX, XXXX attempts to extend reporting to XXXX, exceeding the statutory limit and violating 605 ( c ). 
IMPACT ON CONSUMER : The inaccurate and duplicate entries have materially harmed the consumers credit profile by reducing scores, triggering denials of credit, and prolonging financial distress. These misrepresentations have caused reputational damage and emotional distress, representing willful and negligent noncompliance under XXXX. 
REQUESTED FAIR RESOLUTION : XXXX. Immediate deletion of XXXX duplicate tradeline ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). 
XXXX. Correction of all future-dated and inaccurate entries, including LVNVs Date Opened XX/XX/XXXX and Date Updated XX/XX/XXXX. 
XXXX. Verification of the original XXXX consistent with XXXX removal date ( XXXX/XXXX ). 
XXXX. Written proof of legal ownership/assignment from XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX. Mandatory inclusion of the Account information disputed by consumer ( FCRA ) notation until verified by human investigation. 
XXXX. A full human-based reinvestigation conducted by TransUnion and both furnishers under 611 ( a ) ( 1 ) ( A ). 
XXXX. Written certification that the account will be permanently deleted after the XXXX-year reporting period as required by 605 ( c ). 
XXXX. Delivery of a written confirmation of compliance and corrective action to the consumer per 611 ( a ) ( 6 ). 
NO REINSERTION CLAUSE FCRA 611 ( a ) ( 5 ) ( B ) : Deleted or corrected tradelines may not be reinserted into any consumer credit report without full human verification and written notice to the consumer within XXXX ( XXXX ) business days. Any unauthorized reinsertion will constitute willful noncompliance and subject the furnisher and credit reporting agency to statutory penalties. 
Respectfully submitted, XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX

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