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 Expanded Legal Violation Narrative Complainant : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX | SSN ( last XXXX ) : XXXX Phone : XXXX | Email : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported by : TransUnion LLC Date : XX/XX/XXXX Purpose of Exhibit : This exhibit presents a plain-language legal analysis of the Fair Credit Reporting Act ( FCRA ) violations related to the XXXX XXXX XXXXXXXX tradeline referencing XXXX XXXX XXXX as the original creditor. 
Each violation below identifies the relevant FCRA section, evidence found in the consumers TransUnion report, and an explanation of how the conduct breaches federal law. This document is designed for review by CFPB investigators and reflects the complainants direct experience and resulting harm. 
1 Illegal Re-Aging and Inaccurate Date of First Delinquency ( DOFD ) Law Violated : FCRA 623 ( a ) ( 5 ) ( A ) and 605 ( a ) Evidence : Date Opened XX/XX/XXXX | Estimated Removal XX/XX/XXXX The Date of First Delinquency ( DOFD ) determines how long a negative account can remain on a credit report. This XXXX XXXX accounts removal date ( XX/XX/XXXX ) conflicts with its open date ( XX/XX/XXXX ), indicating unlawful re-aging. This practice extends the reporting period beyond XXXX years and violates the FCRAs accuracy requirement. Re-aging misleads lenders by making an older debt appear newer, causing unjust credit damage. 
Impact : The re-aged account artificially lowers credit scores, increases interest rates, and misrepresents credit history. Requested Action : Correct the DOFD to reflect the original XXXX delinquency date and adjust or delete the tradeline accordingly. 
2 Improper 'Past Due " Field on a Collection Account Law Violated : FCRA 607 ( b ) Accuracy and completeness standard Evidence : Pay Status 'Collection ' | Past Due {$2500.00} Collection accounts can not lawfully carry a 'Past Due " field since they are already defaulted and have no active billing cycle. By reporting this field, TransUnion and XXXX XXXX create the false impression that the consumer is behind on a current payment obligation. This inaccurate dual status ( 'Collection ' and 'Past Due ' ) exaggerates delinquency and further depresses the consumers credit score.

Impact : Misleads lenders and damages payment history metrics used in credit scoring. Requested Action : Remove the 'Past Due ' field entirely and update the tradeline to reflect accurate collection-only status.

3 Failure to Conduct a Human Reinvestigation After Dispute Law Violated : FCRA 611 ( a ) Duty to perform a reasonable reinvestigation Evidence : Remarks 'Completed investigation of FCRA dispute consumer disagreed " This notation confirms that TransUnion received a formal dispute but failed to perform a lawful reinvestigation. No supporting documentation from the furnisher was provided, demonstrating that verification relied solely on automated systems such as eOSCAR. The FCRA requires a manual, documented verification processnot electronic confirmation without evidence.

Impact : Deprives the consumer of due process and perpetuates false reporting. Requested Action : Conduct a manual reinvestigation and furnish written proof directly from XXXX XXXX and XXXX XXXX. confirming the accounts validity. 
4 False 'Date Updated " Activity ( Date Refreshing ) Law Violated : FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) Evidence : Date Updated XX/XX/XXXX The tradeline shows a 'Date Updated ' of XX/XX/XXXX, suggesting new account activity even though this collection has been static since XXXX. This practice, known as 'date refreshing, ' manipulates credit scoring systems by making the debt appear recent and more severe. Such false updating is deceptive and undermines the accuracy standards required under the FCRA. 
Impact : Misrepresents account activity to creditors and causes ongoing harm by re-triggering delinquency scoring factors. Requested Action : Freeze the update date to reflect the true inactivity of the account or remove the tradeline entirely. 
5 Duplicate Reporting Between XXXX XXXX and XXXX XXXX. 
Law Violated : FCRA 607 ( b ) and 623 ( a ) ( 2 ) Evidence : Both XXXX and XXXX XXXX reporting identical {$2500.00} balances When a debt is sold or transferred, the original creditor must update its tradeline to {$0.00} and mark it 'sold/closed. ' Here, XXXX continues to report the same balance while XXXX XXXX also reports the debt, doubling the consumers total liability. This duplication creates false credit utilization ratios and unfairly amplifies the negative impact of a single debt. 
Impact : Distorts total debt load and damages creditworthiness. Requested Action : Ensure XXXX reports a {$0.00} balance and remove duplicate tradeline entries. 
Summary and Requested Relief : The combined violations described above constitute willful and negligent noncompliance with the Fair Credit Reporting Act. Each violation carries a statutory penalty of {$1000.00}, totaling {$5000.00} for this account. This brings my cumulative total of identified TransUnion violations to {$39000.00} as of this filing. 
I respectfully request that the Consumer Financial Protection Bureau direct TransUnion to : ( 1 ) delete or correct the inaccurate tradeline, ( 2 ) require XXXX XXXX and XXXX to submit documentary evidence of accuracy, and ( 3 ) ensure no reinsertion occurs without full compliance under 611 ( a ) ( 5 ) ( B ).

Declaration : I affirm under penalty of perjury that the information contained in this document is true and accurate to the best of my knowledge. This Exhibit D is submitted in good faith to support my formal CFPB complaint dated XX/XX/XXXX. 
Signature : ________________________________ Date Signed : XX/XX/XXXX Name : XXXX 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