Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX To Whom It May Concern, RE : Formal Dispute and Request for Deletion XXXX XXXX Account Reported : XX/XX/XXXXXXXX  Original Balance : {$130.00} | XXXX XXXX : {$200.00} Date Opened : XX/XX/XXXX | Closed : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX  Payment Status : Charge-Off | Remarks : Profit and Loss Write-Off I am writing to formally dispute the reporting of the above-referenced account, which currently appears on my credit file. This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and an objection to violations of Metro 2 data furnishing standards. The tradeline as reported is both materially inaccurate and incomplete, and I request immediate deletion from my consumer credit report. 

Violations & Discrepancies : 1. Expired Reporting Window ( Re-Aging Violation ) The account shows last activity on XX/XX/XXXX, with closure reported on XX/XX/XXXX. Yet the account is still reporting as of XX/XX/XXXX. 

Under FCRA 1681c ( a ) ( 4 ), negative information such as charge-offs can not be reported beyond seven ( 7 ) years from the date of first delinquency leading to the charge-off. Any continued furnishing after this window would constitute illegal re-aging of the debt.

2. Incomplete Monthly Payment Field The tradeline shows No Info in the monthly payment field.

This is a direct violation of Metro 2 Format guidelines, which require furnishers to include a populated monthly payment fieldeven if {$0.00} is appropriate. No Info is a noncompliant placeholder and violates FCRA 1681e ( b ) which mandates that all information reported be complete and accurate.

3. Improper Ongoing Payment History Post-Closure The account has been closed since XX/XX/XXXX, yet monthly updates continue through XXXX using Warning status markers. 
Under Metro 2 guidelines, closed and charged-off accounts must show static history and can not reflect ongoing activity unless there is legitimate collection or repayment activity. These Warning codes are vague, undefined, and misleading.

4. Contradictory Payment History Reporting XXXX XXXX is reporting that I made 2 % of payments on time, yet the tradeline only reflects : 1 30-day late 1 60-day late 1 90+ day late This contradicts the 2 % performance figure and misleads scoring models, harming my credit standing. Inconsistent metrics like this violate the requirement for maximum possible accuracy under FCRA 1681e ( b ). 

XXXX. Improper Utilization Reporting on a Closed Account Despite being closed for over 6 years, the account shows 66 % credit utilization. 
Utilization ratios are not applicable to closed, charged-off accounts and have no scoring relevance. Including such data creates a false impression of ongoing indebtedness, mischaracterizing my creditworthiness.

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