Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
I am formally disputing the inaccurate and unlawful reporting of my account with XXXX XXXX XXXX on my credit report. Upon reviewing my reports from both TransUnion and XXXX, I have identified serious inconsistencies, including illegal re-aging of the status date and failure to ensure data accuracy as required by federal law. XXXX send a letter stating that they only report accurate information but are currently committing fraud. 

Violations of Federal Law : 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 
Unlawful Re-Aging ( 15 U.S.C. 1681c ( a ) ) : The FCRA prohibits re-aging of negative accounts to extend the reporting period. 
TransUnion shows the status updated in XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX, despite the charge-off occurring much earlier. 
This practice unfairly extends the time this negative information remains on my credit file, which is illegal. 
Failure to Ensure Maximum Accuracy ( 15 U.S.C. 1681e ( b ) ) : Credit bureaus are required to report information accurately and consistently across all reports.

The conflicting information between TransUnion and Experian proves that at least one ( if not both ) of the credit bureaus is reporting inaccurate information.

Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ( a ) ) : I previously disputed this account, yet Experian added a consumer dispute statement, while TransUnion claims the dispute was resolved.

This discrepancy suggests that a proper reinvestigation was not conducted, violating my right to a fair and thorough dispute process. 

XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Reporting an Inaccurate Debt Balance ( 15 U.S.C. 1692e ( 2 ) ) : Experian states that {$27000.00} was written off, yet the past due amount is $ XXXX inconsistency is misleading and deceptive. 
Such misleading information constitutes a violation of the FDCPA, which prohibits the false representation of debt obligations.

Misrepresentation of Account Status ( 15 U.S.C. 1692e ( 8 ) ) : The charge-off should not be updated as a new delinquency, yet it appears as if new activity is occurring on the account. 
This misleading reporting creates undue harm to my credit profile and is a deceptive practice. 

Requested Action : Immediate Deletion of This Account Given these clear violations of the FCRA and FDCPA, I am demanding the following actions be taken immediately : 1. Full and permanent deletion of this account from my credit report with your bureau.

2. Removal of all negative remarks, charge-offs, and inaccurate status updates associated with this account
.

3. A formal letter confirming the deletion and an updated copy of my credit report reflecting these changes.

Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), you are required to delete any information that can not be verified as accurate. Since this account has been reported inconsistently across bureaus and unlawfully re-aged, it can not be considered accurate or verifiable. 

Failure to comply with previous request resulted in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action. 

I expect full compliance within 30 days, as required by law.

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 explanation