Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CFPB COMPLAINT COVER BRIEF Charge-Off Reporting After Account Closure FCRA & XXXX XXXX Compliance TransUnion I am submitting this complaint regarding TransUnions continued reporting of inaccurate, misleading, and non-compliant charge-off information on my consumer credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
As documented in the attached dispute files and my TransUnion credit report, certain accounts are reported as charge-off or paid in full/ was a charge-off despite being closed and no longer active. In multiple instances, TransUnion continues to reflect ongoing charge-off status and adverse monthly reporting after the account was closed and the balance was resolved, which misrepresents the true status of the account and improperly amplifies its negative impact. 
Additionally, although these accounts are coded and reported as charge-offs, I did not receive a Form 1099-C for any alleged cancellation of debt. The absence of a 1099-C while the accounts continue to be reported as charged off creates further inconsistencies and calls into question the accuracy, completeness, and legal basis of the reporting.

I submitted multiple written disputes to TransUnion identifying these issues, including continued adverse reporting after closure, inconsistent charge-off coding, and deviations from required Metro 2 reporting standards. Despite receiving detailed, account-specific disputes supported by documentation, TransUnion failed to demonstrate that it conducted a reasonable investigation as required under 15 U.S.C. 1681i.

Under 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy. Continued reporting of charge-off information after an account has been closed and resolved, without clear and consistent documentation, is inaccurate, misleading, and non-compliant.

All supporting documentation, including copies of my dispute letters and excerpts from my TransUnion credit report highlighting these inaccuracies, is provided in the attached PDF files. I am requesting CFPB assistance to require TransUnion to immediately remove the inaccurately reported charge-off information, correct the affected accounts, and provide documentation explaining how the disputed information was verified and reported in compliance with federal law and XXXX XXXX standards. 

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of inaccurate collection accounts and hard inquiries currently appearing on my TransUnion consumer credit report. 

After reviewing my full TransUnion disclosure, I have identified collections and inquiries that are inaccurate, unverifiable, improperly reported, or lack permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 



COLLECTION ACCOUNTS IN DISPUTE ( REQUIRING IMMEDIATE DELETION ) XXXX. XXXXXXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Issue : Reported as a collection without proper validation No documented verification provided Improper collection placement XXXX. XXXX XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Issue : Continued collection reporting despite dispute Ownership and balance unverifiable Failure to provide lawful validation HARD INQUIRIES IN DISPUTE ( REQUIRING IMMEDIATE DELETION ) TransUnion is reporting hard inquiries on my consumer credit file without maintaining proof of permissible purpose as required by law. 

I dispute all hard inquiries that TransUnion can not validate with : Written consumer authorization or Documented permissible purpose under FCRA 1681b Any inquiry that can not be supported with such documentation must be deleted immediately, not verified. 



LEGAL BASIS This reporting violates, but is not limited to : FCRA 1681b No permissible purpose for inquiries FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate information DEMAND I hereby demand that TransUnion : 1. Immediately delete all inaccurate collection accounts listed above 2. Remove all hard inquiries that can not be validated with permissible purpose 3. Provide a corrected and updated TransUnion credit disclosure NOTICE Failure to remove the disputed collections and inquiries after receipt of this notice may constitute willful and negligent noncompliance, subjecting TransUnion to liability under FCRA 1681n and 1681o, including statutory, actual, and punitive damages

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