Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
To Whom It May Concern : This letter serves as both a formal credit reporting dispute under the Fair Credit Reporting Act ( FCRA ) and a Final Notice of Intent to Sue regarding the continued inaccurate and unlawful reporting of the above-referenced account by TransUnion LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I. Background The XXXX XXXX tradeline, originated by XXXX XXXX XXXX, is being reported on my TransUnion credit file with multiple, ongoing legal violations : The account is reported as Open and Placed for Collection despite being charged off on XX/XX/year>. Under FCRA 1681e ( b ) and Metro 2 guidelines, a charged-off account must be reported as closed. This misrepresents the legal status of the debt. 

The account is missing a Closed Date, listed as No Info, violating both Metro 2 data standards and FCRA 1681e ( b ) for completeness and accuracy.

The remarks section contains duplicate notations : Account information disputed by consumer appears twice. This is improper, confusing to third parties, and violates FCRA 1681i ( a ) ( 5 ) ( A ). 

I have disputed this tradeline with TransUnion over XXXX ( XXXX ) separate times, and have never received a valid reinvestigation or written response within the legally required XXXX window. This constitutes repeated FCRA 1681i violations.

TransUnions continued reporting proves willful noncompliance under FCRA 1681n, and directly contradicts the data standard of maximum possible accuracy. 

XXXX XXXX, as the data furnisher, has failed to reasonably investigate or correct inaccurate information after notification from the CRA. This violates FCRA 1681s-2 ( b ) and FDCPA 807 ( 2 ) ( A ). 

XXXX XXXX XXXX Post-Charge-Off Violations Since the charge-off date of XX/XX/year>, XXXX and TransUnion have reported XXXX consecutive months of derogatory payment activity, including ongoing XXXX lates and Open collection notations. 

Under FCRA and XXXX XXXX guidelines, no new derogatory payment data may be furnished after a charge-off date. These actions constitute XXXX distinct FCRA violations under 1681n. 

XXXX violations x {$1000.00} = {$33000.00} in statutory damages This total does not include actual damages, punitive damages, or attorneys fees all of which are recoverable under FCRA 1681n and 1681o, and FDCPA 813. 

XXXX. Legal Demands & Settlement Offer To resolve this matter without court action, I am demanding the following : Permanent deletion of the XXXX XXXX tradeline from my TransUnion credit file Written confirmation from both TransUnion and XXXX  of this deletion All XXXX XXXX field data, reinvestigation records, and source documentation used to verify the account A settlement check in the amount of {$7500.00}, made payable to me, to resolve this matter in full and avoid further legal action IV. Deadline & Legal Notice If you do not comply within XXXX calendar days of receipt of this letter, I will file a lawsuit in XXXX XXXXXXXX XXXX seeking : {$33000.00} in statutory damages Actual and punitive damages Attorneys fees and court costs Additional claims under the FDCPA This letter will be used as evidence of your opportunity to resolve this matter amicably before litigation.

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