Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN ( last four ) : XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Account # XXXX * * Pattern of Inaccurate and Incomplete Charge-Off Reporting Demand for Deletion * * To the Chief Compliance Officer : On XX/XX/XXXX, I filed a formal dispute through the CFPB portal regarding the above-referenced Apple Card charge-off. On XX/XX/XXXX, XXXX XXXX responded with non-monetary relief, providing account agreements and statement historybut you failed to correct or delete the tradeline despite glaring errors that breach multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Below is a non-exhaustive list of your material violations : Inconsistent Date Opened ( TransUnion : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) violates FCRA 1681e ( b ) s requirement for accurate reporting. 
Contradictory High Credit ( {$4400.00} vs. {$0.00} ) and Credit Limit ( {$4000.00} vs. {$0.00} ) further proof you are furnishing incomplete, misleading data ( FCRA 1681e ( b ) ). 
Mismatched Date Last Active ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) and Date of Last Payment ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ) you can not verify these key dates, yet you continue reporting them ( FCRA 611 ( a ) ( 5 ) ). 
Continuous Monthly Charge-Off Status on XXXX  for 24 consecutive months, despite XXXX showing an OK status a charge-off is a one-time event ; your ongoing CO designations materially misrepresent account history ( FCRA 1681s-2 ( b ), 1681i ). 
Failure to Reinvestigate Properly you merely resupplied statements rather than addressing or correcting discrepant data, in breach of your reinvestigation obligations under FCRA 1681i and 1681s-2 ( b ). 
Lack of Chain-of-Title Validation you acknowledge securitization concerns in my original dispute yet refuse to produce any assignment history or proof of continuing reporting rights, in violation of FDCPA 809 ( b ).

Because of these willful and negligent violations, I demand that within 10 business days of your receipt of this letter you must : Delete this tradeline in its entirety from my consumer reports with XXXX XXXX and TransUnion, and Provide me written confirmation of each deletion ( including the date each CRA was notified ). 
Alternatively, if you claim to possess verifiable, Metro 2-compliant evidence for every data field you furnish, produce a complete reinvestigation reportfailing which you must remove the tradeline. 

Should you fail to comply, be advised that I will : Invoke Arbitration under my Customer Agreement with XXXX XXXX XXXX XXXX by filing a Demand with the XXXX XXXX XXXX ( ICDR ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX File Complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and Virginia Attorney General for ongoing FCRA/FDCPA violations ; and Seek Statutory Damages under FCRA XXXX XXXX up to {$1000.00} per violation ), punitive damages, and recovery of attorneys fees. 
I look forward to your prompt confirmation of the tradelines deletion. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TransUnion LLC Consumer Financial Protection Bureau Virginia Attorney Generals Office

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