Consumer complaint received 2025-11-16 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: LA

Complaint narrative:
CFPB Deletion Request Letter for XXXX Charge-Off Subject : Request for Investigation & Deletion Due to Inaccurate and Incomplete Credit Reporting XXXX Bank To Whom It May Concern, I am filing this complaint because XXXXXXXX XXXX is reporting inaccurate, inconsistent, and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 623 ( A ). 

Account in question : XXXX XXXX Account ending in XXXX Opened : XXXX XXXX XXXX is reporting inconsistent payment history ( ND mixed with CO ) The payment history on this account shows erratic and inconsistent reporting, including months marked as ND ( No Data ) immediately before and after months marked CO ( Charge Off ).

Examples : ND reported in months where the account was already charged-off CO reported again after months with ND Gaps in reporting that do not align with a charged-off account A creditor must report information accurately and consistently, especially after a charge-off. ND mixed with CO is not consistent with a true charge-off timeline and creates confusion in my credit file.

This violates FCRA 623 ( A ) ( 1 ) ( A ), which states that furnishers must not report information they know or have reasonable cause to believe is inaccurate. 



XXXX. The Status Updated date does not match the monthly data being furnished The account shows : Status Updated : XX/XX/XXXX However, payment history is still being furnished for dates up to : XX/XX/XXXX This is contradictory and misleading. 
This violates FCRA 607 ( B ) : the requirement to maintain maximum possible accuracy. 



XXXX. XXXX continues updating the balance monthly after charge-off Despite the account being charged off in XXXX, XXXX continues updating the balance updated field as recently as XX/XX/XXXX. 

A charged-off account should not show active monthly changes unless the consumer is actively paying which I am not. 
This inaccurate monthly updating makes the derogatory appear new, harming my credit more than allowed under FCRA. 



XXXX. The credit limit was increased after charge-off and during my dispute This is inconsistent and misleading. 
A creditor does not raise a credit limit on an account already in charge-off status. This appears to be additional inaccurate information being furnished during an active dispute. 



XXXX. The reporting is not consistent, complete, or accurate Because of : Mixed ND/CO reporting Status date not matching reported activity Balance continuously updated Incorrect credit limit reporting Irregular charge-off timeline This account is not being reported in a manner that meets the maximum possible accuracy requirement under the FCRA.

For these reasons, I request : REQUESTED RESOLUTION I am requesting that the CFPB compel XXXX XXXX  to either : XXXX. Correct ALL inaccurate and inconsistent reporting immediately, XXXX XXXX. Delete the account completely from my credit reports if XXXX can not furnish the data in a consistent, accurate, and verifiable format as required by FCRA 602 ( A ) and 607 ( B ).

Given the multiple reporting irregularities, deletion is the only remedy that ensures compliance with the FCRA.

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