Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
Subject : Formal Dispute under FCRA Inaccurate Charge-Off ReportingAccount Name : XXXX Number : XXXX Violation : Charge-Off Marked with Past Due Amount To Whom It May Concern, This letter serves as a formal XXXX automated dispute, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau XXXX CFPB ) standards. I am requesting immediate investigation and correction or removal of the following inaccurate entry from my credit report : Furnisher Name : XXXX Number : XXXX Code : XXXX / XXXX / XXXX / XXXX ( Incorrect Balance, Compliance Issue, Charge-Off Date Inconsistency, Past Due Incorrectly Reported ) Metro 2 Violation : Reporting " Amount Past Due '' on a charged-off account violates Metro 2 reporting guidelines XXXX 
Disputing Reason : The account is marked as Charge-Off, yet it simultaneously reflects an Amount Past Due. According to Metro 2 Compliance Standards and industry reporting rules, once a debt is charged off, it is no longer considered a currently collectible delinquent balance under standard billing cycles. The " Amount Past Due '' must be {$0.00} at the time of charge-off reporting. 
Maintaining a past due amount on a charged-off debt is misleading and materially inaccurate under 15 U.S.C. 1681e ( b ), which requires data furnishers and credit bureaus to ensure maximum possible accuracy of the information included in consumer reports. This also violates 15 U.S.C. 1681s-2 ( b ), which mandates the correction or deletion of information that can not be verified or is found to be inaccurate. 
Legal Grounds Cited : * 15 U.S.C. 1681e ( b ) Failure to maintain accuracy * 15 U.S.C. 1681s-2 ( b ) Failure to investigate and correct disputed data * Metro 2 Compliance Charge-Offs must reflect {$0.00} Past Due * FTC Guidelines Inaccurate charge-off entries with improper balances are grounds for full deletion * Consumer Rights under the FCRA Right to request deletion if account can not be verified with accurate, compliant data Requested Action : I demand XXXX of the following : 1. Immediate correction of the reporting to reflect {$0.00} Amount Past Due OR XXXX. Permanent deletion of this account from my credit report if the creditor can not verify this account with full Metro 2 and FCRA-compliant accuracy. 
Please provide me with the method of verification used, the name and contact information of the person or entity that verified the information, and the results of your reinvestigation pursuant to 15 U.S.C. 1681i ( a ) within the required XXXX period. 
Failure to correct or remove this account may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for noncompliance with federal law. 
Sincerely, [ XXXX 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