Consumer complaint received 2025-07-19 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Charge-Off under FCRA ( 15 U.S.C. 1681i ) and FCBA ( 15 U.S.C. 1666 ) To Whom It May Concern in TransUnion Dispute Department I am formally disputing an inaccurate and potentially misleading item on my credit report, as provided to you under my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. 
The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Bank Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Account Status : Closed on XX/XX/XXXX Payment Status : Collection/Charge-off Last Payment : XX/XX/XXXX Charged Off : XX/XX/XXXX Creditor Remarks : Charged Off as a bad debt | Profit and Loss write-off Past Due Amount | Balanced Owed : {$1300.00} I am disputing the accuracy of the reporting of this account, particularly the designations of " Charged Off '' '' Past Due Last Payment on XXXX and Closed Date on XXXX. These terms are factually inaccurate and do not reflect the correct status of the account. Such reporting misleads creditors and potential lenders and is a violation of your obligation to maintain complete and accurate information as required by FCRA XXXX ( b ). 
To support my dispute, I am requesting that you conduct a full investigation under the FCRA and verify the accuracy of the information being reported. Specifically, I request the following : XXXX. A copy of the original signed contract or application bearing my signature ; XXXX. A full account payment history and accounting of the balance ; XXXX. Documentation showing XXXX XXXX XXXX  still owns or legally services this debt ( or if it was transferred/sold, details of the chain of custody ) ; 18. The name and contact details of the furnisher who verified this information ; 19. Evidence that this charge-off has not been settled, satisfied, or otherwise closed through legal, financial, or securitization mechanisms ; 20. All documentation used to verify the account, as required under FCRA 611 ( 15 U.S.C. 1681i ) ; 21. Confirmation that this information is being reported in full compliance with the FCRA, and that it does not misrepresent the current legal or financial status of the account.

Until the results of this investigation are complete, please mark this account as in dispute on my credit report, in compliance with FCRA 1681c ( f ). If the requested documentation is not provided within 30 days, or if you can not substantiate the validity of this information, I request the immediate removal of this account from my credit file.

Please respond to my dispute at the address above. A failure to respond adequately may result in legal action under the FCRA and other applicable consumer protection statutes. 
Sincerely, XXXX XXXX

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