Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since Fall XXXX XXXX XXXX XXXX has been in communication with TD Bank / Target to try to validate this debt. I contacted XXXX XXXX XXXX in XX/XX/XXXX when I received the lawsuit summons to pay them {$680.00} and they advised they never completely validated the debt under the FCRA Guidelines and their answer was to sue. 
n XX/XX/XXXX but that neither the bureaus or the Creditors had responded to their demands on unvalidated accounts, a violation of the FCRA. 

XXXX XXXX closed the complaint as a " DUPLICATE '' it was not since they never corrected the Credit reports and went ahead and sued and made me sign a Settlement for unvalidated debt. 

XXXX XXXX is currently under a CFPB consent order and paid {$28.00} XXXX in penalties and restitution for systemic FCRA violations, including : Failing to correct inaccurate tradelines Improperly reporting dates of first delinquency Failing to conduct reasonable investigations of disputes Violating the Furnisher Rule and Consumer Financial Protection ActXXXX This pattern of misconduct mirrors my experience and reinforces the need for regulatory enforcement. 
Bureau-Specific Violations XXXX Reports monthly charge-offs through XX/XX/XXXX despite account closure in XX/XX/XXXX Tradeline not marked as disputed DOFD not accurately reflected Experian Reports ongoing charge-off status post-closure No disputed notation despite written notice Balance and payment history misrepresent account status TransUnion Re-aged tradeline with repeated charge-off updates No dispute flag present Inaccurate reporting of account status and balance The Credit Bureaus : XXXX XXXX & Transunion are complicit in these violations as they continue to historically reage the account each month, have failed to illustrate it has been in dispute. Willful violations of the bureaus are : XXXX Continues to report monthly charge-off notations through XX/XX/XXXX despite account closure in XX/XX/XXXX violates XXXX XXXX. XXXX ( a ) ( XXXX ) ( re-aging ). 

Fails to mark the account as disputed despite formal dispute submitted in XX/XX/XXXX violates XXXX XXXX. XXXX ( a ) ( XXXX ). 

Maintains inaccurate status and balance information despite no validation provided violates XXXX XXXX. XXXX ( b ). 

XXXX Charge-off status is updated monthly post-closure, falsely indicating ongoing delinquency violates XXXX ( a ) ( XXXX ). 

No " Account in Dispute '' flag appears on the tradeline violates XXXX ( a ) ( XXXX ). 

Report reflects unverified balance and misleading payment history violates XXXX ( b ). 

TransUnion Tradeline reflects continued charge-off activity without reflecting true Date of First Delinquency violates XXXX ( a ) ( XXXX ). 

As of XX/XX/XXXX, account is still not marked as disputed violates XXXX ( a ) ( XXXX ). 

Credit entry remains materially inaccurate in balance and status violates XXXX ( b ).

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