Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
XXXXXXXX XXXX Balance : {$0.00} | Status : Charge Off ( Unknown ) Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Issue : This is a closed account with a {$0.00} balance but is still reporting as derogatory. It should have aged off the credit report per the XXXX rule under FCRA 605 ( a ). 
Resolution Requested : Remove immediately as it is obsolete and no longer eligible to report. 



XXXX XXXX Balance : {$1400.00} | Status : Unknown ( Installment ) Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Issue : Reporting beyond reasonable statute of limitations for negative data ; not verified and continues to update monthly with past due status even though its closed. 
Resolution Requested : Delete for failure to verify per FCRA 611 and due to outdated negative reporting. 



XXXX. XXXX XXXX Balance : {$1200.00} | Status : Open ( Utility ) Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Issue : XXXX XXXX reported as open after closure with a past due balance, but no confirmation or validation of the debt has been provided. Inaccurately classified and unverifiable. 
Resolution Requested : Delete under FCRA 611 and FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate information. 



XXXX. XXXX XXXX Balance : {$5800.00} | Status : Unknown ( Installment ) Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Issue : Account was closed over XXXX years ago but is still reporting as active and past due. Theres no verification of its legitimacy after dispute. 
Resolution Requested : Delete due to unverified and inaccurate reporting in violation of FCRA 611. 



XXXX XXXX XXXX Balance : {$380.00} | Status : Unknown ( Installment ) Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Issue : Account is fully closed with no balance due. Yet its listed as derogatory. Failure to update properly violates FCRA 623 ( a ) ( 2 ). 
Resolution Requested : Remove due to inaccurate and incomplete status updates. 



XXXX. XXXX  XXXX XXXX Balance : {$560.00} | Status : Unknown ( Installment ) Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Issue : Continues to report a balance with unclear payment status and no verification after disputes. Unverified tradeline. 
Resolution Requested : Remove per FCRA 611 due to lack of validation and ongoing harm to credit. 



XXXX. XXXX/ XXXX ( XXXX XXXX ) Balance : {$500.00} | Status : Collection Date Opened : XX/XX/XXXX Issue : No original creditor listed, no proof of debt provided, and marked as a medical collection without itemized billing. Violation of FCRA 609 and 623. 
Resolution Requested : Immediate deletion under 15 USC 1681b and 15 USC 1681s-2. 



XXXX XXXX XXXX Balance : {$330.00} | Status : Collection Date Opened : XX/XX/XXXX Issue : Collection agency name is vague and unverifiable. No validation of the debt has been provided. Reported with a {$0.00} past due yet still marked derogatory. 
Resolution Requested : Delete under FCRA 609 ( a ) and 611 ( a ) due to unverifiable information. 



XXXX. XXXX XXXX XXXX  XXXX Balance : {$4000.00} | Status : Collection Date Opened : XX/XX/XXXX Issue : This is a duplicate account of another XXXX XXXX item already reported to XXXX  and XXXX. Its inaccurate and double-jeopardizing the consumers credit. 
Resolution Requested : Delete as a duplicate and unverifiable entry. Violates FCRA 623 and 605B. 



XXXX. XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} | Status : Collection Date Opened : XX/XX/XXXX Issue : Same as above. Duplicate reporting under a different account number. Possibly related to XXXX XXXX 
Resolution Requested : Remove for being duplicate and outside verification window. FCRA 605 ( a ) ( 4 ).

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