Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX and TransUnion continue to publish XXXX derogatory charge-off accounts on my credit reports that are either outdated, unverifiable, or completely inaccurate. These are a XXXX XXXX account with number XXXX * * * * dated XX/XX/XXXX with a reported balance of {$0.00}, a XXXX XXXX account with number XXXX * * * * dated XX/XX/XXXX with a reported balance of {$800.00}, and a Bank XXXX XXXX account with number XXXX * * * * dated XX/XX/XXXX with a reported balance of {$2200.00}. These accounts are not only damaging my creditworthiness but are being reported in ways that violate federal law and the XXXX XXXX XXXX Acts standard of accuracy. 

The first XXXX XXXX charge-off is especially concerning. This account is reported as a charge-off but shows a {$0.00} balance, which makes no sense and is inconsistent with proper reporting standards. If no balance exists, then the continued listing of this account as derogatory is misleading and inaccurate. A charge-off with a XXXX balance serves no legitimate purpose other than to harm my credit standing. 

The second XXXX XXXX charge-off is from XXXX and the Bank XXXX XXXXXXXX account XXXX XXXX. Both of these items are years old, and the bureaus have failed to provide any verifiable documentation showing that they are still legally reportable or accurate. Under the Fair Credit Reporting Act, charge-off accounts have a maximum reporting period of XXXX years from the date of first delinquency. Yet these accounts remain published even after multiple disputes, without proof or validation, and without any meaningful reinvestigation. Each time I raised concerns, the response from the bureaus has been little more than the word verified, without providing contracts, statements, or original records from the creditors. That is not compliance with the FCRAs reinvestigation requirements. 

These accounts have caused me serious and measurable harm. I have been denied credit opportunities, and in XXXX instance was forced to accept a credit card with a higher interest rate solely because these charge-offs appeared on my file. I have also been questioned by landlords about these outdated entries, leaving me embarrassed and financially disadvantaged in housing decisions. The burden of having to explain inaccurate, outdated data is exhausting and unfair. 

I have tried to resolve this directly with XXXX XXXX and TransUnion, but they have repeatedly ignored the law and their duty to ensure maximum possible accuracy. Instead of correcting obvious reporting errors or removing items that can no longer be substantiated, they have defaulted to dismissive responses that disregard the protections afforded to me as a consumer under the FCRA.

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