Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Subject : CFPB Complaint - Formal Dispute Under FCRA 1681e ( b ), 1681s-2, and Metro 2 Format - Misclassification and Utilization Distortion of XXXX XXXX Account ( TransUnion ) XXXX Address : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This formal complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) pursuant to the Fair Credit Reporting Act ( FCRA ) regarding TransUnions handling of a closed credit card account issued by XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX  ), Account No. [ REDACTED ]. Despite the account being closed by the creditor on XX/XX/XXXX, TransUnion continues to report it as an open revolving tradeline with a Remarks code of CBG ( Canceled by Credit Grantor ) and a balance of {$17000.00} as of XXXX This reporting is factually inaccurate, materially misleading, and legally noncompliant with FCRA 1681e ( b ), 1681s-2, and industry-standard Metro 2 Format .

This complaint is now being submitted directly to the Consumer Financial Protection Bureau ( CFPB ), supplementing an original dispute letter already filed with TransUnion ( Exhibit 903 ), along with TransUnions dispute results issued on XXXX XXXX  ( Exhibit 57 and Exhibit 58 ). Documentation has been preserved for further escalation to the Minnesota Attorney General and the Federal Trade Commission ( FTC ) if corrective action is not taken.

Consumer Financial Protection Bureau ( CFPB ) ( Exhibit 901 ) o ID FOR COMPLAINT : XXXX o Filed XX/XX/XXXXXXXX. 
National Credit Union Administration ( NCUA ) Consumer Assistance Center ( Exhibit 902 ) o Case Number : XXXX o Filed : XX/XX/XXXX XXXX. Chronology and Reporting Misconduct 1.1. TransUnion XXXX XXXX Credit Scores Reporting The historical record obtained directly from TransUnions consumer disclosure confirms that from XX/XX/XXXX through XX/XX/XXXX, the account in question was reported with a Rating of OK every month, indicating current, paying or paid as agreed. There were no balances, no past due amounts, no missed payments, and no derogatory remarks during this period. This pattern held for 49 consecutive months, clearly establishing a positive and compliant payment history in accordance with FCRA 1681e ( b ). Beginning XX/XX/XXXX, after the creditor closed the account, TransUnion began appending the Remarks code CBG ( Canceled by Credit Grantor ) while continuing to rate the account as OK and report scheduled payments, an open balance, and a full credit limit. The insertion of " CBG '' confirms acknowledgment of creditor-initiated closure, yet TransUnion failed to reclassify the account type, zero out the credit limit, or remove it from revolving utilization calculations. This reporting contradiction has caused measurable damage to my credit profile and is entirely attributable to TransUnions post-closure handling. The legal and factual record makes clear that the consumer was not at fault, and that TransUnion 's ongoing misreporting constitutes a direct violation of the Fair Credit Reporting Act and Metro 2 Format guidelines ( Exhibit 56 ).

1.1.1. TransUnion XXXX XXXX Credit Scores Damage TransUnion Credit Score XX/XX/XXXX XXXX ( Exhibit 22 ) TransUnion Credit Score XX/XX/XXXX XXXX ( Exhibit 43 ) TransUnion Credit Score XX/XX/XXXX XXXX ( Exhibit 55 ) 1.2. TransUnion FICO XXXX via XXXX Credit Scores Reporting Beginning in XX/XX/XXXX, TransUnion XXXX XXXX via XXXX Report shows my XXXX XXXX XXXX XXXX XXXX account as an Account type : Revolving Account with a Status : Paid or paying as agreed and Comments : Canceled by credit grantor. As of XX/XX/XXXX, the account still reflects an active credit limit of {$27000.00} and a high balance of {$29000.00}, despite being closed by the creditor on XX/XX/XXXX and no longer offering credit access ( Exhibit 45 ). 
When clicking inside XXXX Credit Reporting, TransUnion from XX/XX/XXXX through XX/XX/XXXX, TransUnions reporting continued to list this account as open, current, and revolving. The Remarks field shows an active check mark up to XX/XX/XXXX and the abbreviation CLS ( Closed ) from XX/XX/XXXX to date, which misrepresents the account as a functional revolving line of credit in g

ood standing, nevertheless the Comments section says Account closed at credit grantors request. This status causes the account to be factored into revolving utilization ratios, suppressing my credit score and creating a materially false profile to lenders ( Exhibit 45 ). 1.2.1. TransUnion FICO XXXX via XXXX  Credit Scores Damage TransUnion Credit Score XX/XX/XXXX XXXX ( Exhibit 51 ) TransUnion Credit Score XX/XX/XXXX XXXX ( Exhibit 52 ) TransUnion Credit Score XX/XX/XXXX XXXX ( Exhibit 53 ) TransUnion Credit Score XXXX XXXX, XXXX XXXX ( Exhibit 54 ) TransUnion Credit Score XXXX XXXX, XXXX XXXX ( Exhibit 25 ) TransUnion Credit Score XX/XX/XXXX XXXX ( Exhib

it 45 ) 2. Legal Violations 2.1. Failure to Reclassify Under Metro 2 Format and FCRA Standards FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the data furnished. TransUnions continued classification of this account as revolving violates this standard. FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of information a bureau knows or has reason to believe is inaccurate. Metro 2 Format provides clear instruction that once a revolving credit account is closed and the consumer is no longer able to access the line, the account must be recoded to reflect its true nature. This includes : 2.1.1. Changing the account type to Closed-End or Installment ( not Revolving ) 2.1.2. Setting the available credit and credit limit to XXXX 2.1.3. Ensuring that Remarks codes such as CBG or CLO are not contradicted by an open

revolving status 2.1.4. Properly populating the Date Closed field 2.1.5. Removing the account from revolving utilization scoring logic 2.1.6. By failing to implement these changes, TransUnion is propagating misleading data in violation of Metro 2 data logic and credit reporting accuracy obligations. 2.2. Suppression Required During Statutory Reinvestigation Window Under FCRA 1681i, TransUnion is obligated to conduct a reinvestigation of disputed information and complete its resolution within 30 days. During this window, the disputed tradeline must not be allowed to influence credit scoring algorithms or generate further adverse effects. Any updates to this tradeline that affect utilization, available credit, or payment history must be immediately suppressed until the dispute is resolved and accurate data is confirmed. TransUnions failure to suppress score-impacting activity related to this account during the reinvestigation period would constitute a separate violation under 1681i ( a ) ( 5 ) ( A ). 2.3. Impact on Credit Score and Financial Standing The continued treatment of this closed tradeline as an active revolving account has artificially inflated my utilization ratio and damaged my credit score. This impact is quantifiable. As shown in score simulations submitted to federal regulators, a {$55000.00} reduction in revolving credit lines, which was caused by this XXXX account caused a utilization spike from 37 percent to over 95 percent ( Exhibit 49 and Exhibit 50 ). This resulted in score drops across all major credit bureaus, including TransUnion. For TransUnion XXXX XXXX  XXXX, from XX/XX/XXXX to XX/XX/XXXX, my score had fallen from 583 ( Exhibit 22 ) to 546 ( Exhibit 43 ). By XX/XX/XXXX, it had further lowered to 524 ( Exhibit 55 ), despite continued on-time payments and reduced balances. For TransUnion FICO XXXX Score via XXXX, from XX/XX/XXXX to XX/XX/XXXX, my score had fallen from XXXX  ( Exhibit 53 ) to 605 ( Exhibit 25 ). By XX/XX/XXXX, it had barely increased to XXXX ( Exhibit 45 ), despite continued on-time payments and reduced balances.

The historical reporting data confirms that this account was rated OK with no late payments, delinquencies, or derogatory marks for more than five years prior to the closure, from XX/XX/XXXX through XX/XX/XXXX ( Exhibit 56 ). This record further supports that the issue lies entirely in post-closure bureau handling, not consumer behavior.

3. Required Corrective Action Accordingly, I demand that TransUnion take the following actions : 3.1. Reclassify the account type from Revolving to Closed-End or Installment.

3.2. Set the available credit and credit limit to XXXX. 
3.3. Ensure the Remarks code is either CBG or CLO ( not both ), and consistent with a closed account.

3.4. Populate the Date Closed field as XX/XX/XXXX instead of XX/XX/XXXX. 
3.5. Suppress all score-affecting activity for this tradeline during and after the dispute resolution process.

3.6. Provide written confirmation detailing the outcome of the reinvestigation and specifying all corrections made to this tradeline, as required under FCRA 1681i ( a ) ( 6 ) ( B ).

3.7. Regulatory Notice : Pursuant to FCRA 1681g ( a ) ( 2 ), I also request a copy of the tradeline as it appears in your file at the time of reinvestigation completion, including all data fields submitted by the furnisher and any alterations made by TransUnions internal Metro 2 parsing system.

3.7.1. Should XXXX ( the creditor ) independently choose to reopen this account in the future, whether in response to ongoing investigations by the CFPB or NCUA, that development does not eliminate TransUnions duty to correct prior misreporting or its legal obligations under FCRA 1681e ( b ) and 1681i.

TransUnion has an affirmative legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy of consumer credit data. Failure to fully and promptly correct the reporting errors identified in this dispute may result in further regulatory action and legal proceedings for damages under 15 U.S.C. 1681n and 1681o. I request a complete and itemized response confirming the outcome of your reinvestigation and the specific corrective actions taken.

Enclosures : Exhibit 22. TransUnion XXXX XXXX XXXX Credit Score XX/XX/XXXX Exhibit 25. TransUnion XXXX via XXXX  Credit Score XXXX XXXX XXXX Exhibit 43. TransUnion XXXX XXXX XXXX Credit Score XX/XX/XXXX Exhibit 45. TransUnion XXXX via XXXX Credit Score XX/XX/XXXX Exhibit 46. TransUnion XXXX via XXXX  Credit Score detailed view XX/XX/XXXX Exhibit XXXX. XXXX  FICO Score Simulator XXXX to XXXX - increase 45 points_pay down balance XXXX Exhibit 50. XXXX FICO Score Simulator XXXX to XXXX - increase XXXX points_increase credit limit XXXX Exhibit 51. TransUnion XXXX via XXXX  Credit Score XX/XX/XXXX Exhibit 52. TransUnion XXXX via XXXX Credit Score XX/XX/XXXX Exhibit 53. TransUnion XXXX via XXXX Credit Score XX/XX/XXXX Exhibit 54. TransUnion XXXX via XXXX  Credit Score XXXX XXXX XXXX Exhibit 55. TransUnion XXXX XXXX XXXX Credit Score XX/XX/XXXX Exhibit XXXX. TransUnion XXXX Score XXXX XXXX XXXX XXXX XX/XX/XXXX Exhibit 57. TransUnion Dispute Investigation Results XX/XX/XXXX Exhibit 58. TransUnion Report after Dispute Results XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Exhibit 901. CFPB Complaint ID XXXX XX/XX/XXXX Exhibit XXXX. NCUA Case Number XXXX XX/XX/XXXX Exhibit 903. TransUnion XXXX Dispute Attachment Letter XXXX XXXX XXXX XXXX

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