Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
Company Name : TransUnion LLC Issue Type : Incorrect information on your credit report Problem : Duplicate account reporting / Reporting of debts sold to other companies Impacted Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint because TransUnion is reporting four separate derogatory tradelines that are inaccurate, duplicative, and in violation of the Fair Credit Reporting Act ( FCRA ). These include : XXXX. XXXX This account has been charged off and sold, yet TransUnion is still reporting it as a derogatory tradeline under XXXX. The account has a sold remark but continues to negatively impact my credit. 

XXXX. XXXX XXXX XXXX This company now owns the same XXXX debt XXXX and is reporting it as an active collection account with a {$590.00} balance. 

These two entries reflect the same debt but are being reported separately, creating a duplicate negative impact. 



XXXX. XXXX XXXX XXXX XXXX charged off and sold another debt, yet it remains on my TransUnion report as a derogatory tradeline with a {$130.00} balance or status notation. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is reporting this same XXXX account as an active collection. 

Again, this is duplicate reporting of a single debt, with both the original creditor and the debt buyer listed. 



Why This is Illegal Under the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) requires that all items on a credit report be complete and accurate.

Reporting two versions of the same debt ( original and collection ) creates false duplication and inflates total debt owed, which is inaccurate.

611 ( a ) gives consumers the right to dispute incomplete, unverifiable, or incorrect information.

Original creditors who no longer own the debt can no longer verify or validate the tradeline.

602 ( A ) ensures credit reporting is conducted in a fair and equitable manner.

Multiple derogatory entries for the same debt skew my credit profile and harm my ability to obtain credit.

Harm Being Caused Due to this duplicate and inaccurate reporting : My credit score is being unfairly penalized I have been denied access to credit Lenders are viewing me as having more debt than I actually owe I am suffering financial damage due to false representation of my credit obligations What I Am Demanding I am not requesting updates, status changes, or {$0.00} balances. I am demanding full and permanent removal of the following tradelines from my TransUnion credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Since these debts have been sold, the original creditors no longer have legal authority to report the accounts, and reporting by both the seller and buyer is duplicative and misleading. 

Final Note I request that this matter be addressed immediately and in good faith, without delays, stall tactics, or vague investigation timelines. I am invoking my rights under FCRA 607 ( b ), 611 ( a ), and 602 ( A ) and I expect a full deletion of the accounts listed above.

Thank you for your attention and support in ensuring fair and accurate credit reporting.

Supporting Evidence I am attaching screenshots of my credit report showing all four accounts being reported concurrently, in violation of FCRA guidelines.

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