Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion Account Number : XXXX FCRA Violation Dear Sir or Madam, The purpose of this letter is to dispute the accuracy and reporting practices of the referenced account. The account is currently reported on the credit report from TransUnion as a " Collection / Charge-Off '' and is repeatedly updated monthly. This account is listed with the remark " Account information disputed by consumer, meets FCRA requirements. '' The continuous and frequent reporting, including monthly updates, of a charged-off collection account, particularly one with the remark " account information disputed by consumer, meets FCRA requirements, '' may violate the Fair Credit Reporting Act ( FCRA ). This includes the accuracy and completeness of information and the reasonable investigation of disputes under FCRA 623 ( a ) ( 1 ) and FCRA 623 ( b ). The continuous re-verification and monthly updating of a charged-off debt raises concerns about whether a proper and thorough reinvestigation is truly occurring with each update, as required under FCRA 611 ( a ) ( 1 ) ( A ).

A thorough and reasonable reinvestigation into the validity and accuracy of this account is requested, including all reporting dates and statuses. Cease the monthly updating of this charged-off collection account if it can not be fully verified as accurate and compliant with all FCRA provisions. If verifiable proof of the debt and its accurate reporting as per FCRA requirements can not be provided, demand the immediate and permanent deletion of this account from the credit report with all three major credit bureaus ( XXXX XXXX, and TransUnion ). 
A response and the results of the investigation within the timeframes mandated by the FCRA are expected. Failure to address these concerns and rectify the potentially inaccurate or improperly reported information may result in legal remedies. 

Federal Trade Commission ( XXXX ) fair-credit-reporting-act-611.pdf | Consumer Advice Federal Trade Commission XXXX XXXX ) Fair Credit Reporting Act Section 611 - Federal Trade Commission Federal Trade Commission XXXX XXXX ) See all The continuous monthly reporting of a disputed charged-off account, especially one bearing the " Account information disputed by consumer, meets FCRA requirements '' remark, could potentially violate several specific sections of the Fair Credit Reporting Act ( FCRA ), primarily related to the duties of furnishers of information and consumer reporting agencies ( CRAs ) in handling disputed data.

Key FCRA Sections Potentially Violated : FCRA 623 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information : This section broadly prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. If the continuous monthly reporting involves re-verifying or re-inserting information without a thorough and reasonable investigation into the consumer 's dispute, it could be argued that the furnisher is not ensuring the accuracy and completeness of the information being reported, especially if the dispute points to inaccuracies.

FCRA 623 ( a ) ( 3 ) Duties After Notice of Dispute from Consumer : If a consumer notifies a furnisher directly that they dispute the completeness or accuracy of reported information, the furnisher " may not subsequently report that information to a CRA without providing notice of the dispute ''. While the image states the account is noted as disputed, the concern lies in whether the subsequent reporting is continually compliant with the FCRA 's requirements for re-verification and accuracy of disputed information, especially if the dispute challenges the very nature or validity of the debt, or the furnisher has failed to properly investigate the dispute.

FCRA 623 ( b ) Duties of Furnishers Upon Notice of Dispute from CRA : This section outlines the duties of a furnisher when a CRA notifies them of a consumer dispute, including conducting a reasonable investigation, reviewing relevant information, reporting the results to the CRA, and modifying, deleting, or blocking the reporting of information found to be inaccurate, incomplete, or unverifiable. Continuous monthly reporting of a charged-off account that is under dispute could suggest a failure to adequately investigate or to promptly modify/delete the information if it's found to be inaccurate or unverifiable.

FCRA 611 ( a ) ( 1 ) ( A ) Reinvestigations by Consumer Reporting Agencies : This section requires CRAs to conduct a " reasonable reinvestigation '' of disputed information in a consumer 's file when notified by the consumer. While the dispute is noted, continuous monthly updates of a charged-off account, despite an ongoing dispute, might raise questions about the thoroughness or sufficiency of the reinvestigations conducted by the CRA based on information provided by the furnisher. If the monthly updates are merely a re-reporting of the same disputed information without evidence of a re-investigation and validation process, it may be a violation.

In essence, while reporting a charged-off account is permissible under the FCRA for a certain period, the key issue here is the continuous monthly updates of an account explicitly noted as disputed, which necessitates robust and ongoing compliance with the FCRA 's duties related to accuracy, completeness, and thorough reinvestigation by both the furnisher and the CRA.

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