Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Creditor Name : XXXX Industry Type : Student Loans Address : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : Amount Delinquent : {$0.00} Account Balance : {$17000.00} Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Dispute resolved; reported by grantor To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Re : Formal Demand for Deletion of Inaccurate Collection Account [ Account Number ] To Whom It May Concern : I am writing to formally dispute the continued reporting of the collection/charge-off account associated with the above-referenced account number. This account appears on my credit reports with a balance of {$17000.00} and a status of Collection/Charge-off. However, the tradeline is also marked as Dispute resolved ; reported by grantor, indicating that a previous dispute was resolved yet the account remains reported in a derogatory manner despite a {$0.00} delinquent amount and no legally enforceable debt. 
This continued reporting is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the reporting of information that is known or should be known to be inaccurate. 
15 U.S.C. 1681i : Requires that any disputed item be verified as accurate or removed within 30 days. 
15 U.S.C. 1681e ( b ) : Mandates that all information furnished be complete and accurate. 
15 U.S.C. 1681c ( a ) ( 4 ) & ( 5 ) : Prohibits reporting outdated adverse information and charge-off accounts beyond statutory limits. 
Further, reporting a {$0.00} delinquency as a collection/charge-off is materially misleading to potential lenders and is not a complete or accurate representation of the accounts current status. The presence of this inaccurate tradeline continues to cause irreparable harm to my creditworthiness and violates my rights under federal law. 
Accordingly, I am demanding that XXXX : Immediately delete this collection/charge-off account from all consumer reporting agencies to which you have furnished it ; Cease and desist from further furnishing of inaccurate, incomplete, or misleading information ; and Provide written confirmation of deletion within 15 calendar days from receipt of this notice. 
Please be advised that failure to comply with the above will result in further action, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all available civil remedies under 15 U.S.C. 1681n and 1681o, including statutory and actual damages, attorneys fees, and punitive damages. 
This letter serves as your final notice and opportunity to cure before legal action is initiated. 
Sincerely, [ Your Full Name, XXXX XXXX ] UCC 1-308 Without Prejudice

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