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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX'Account in Dispute: XXXX XXXX  Account No. XXXX XXXX XXXX XXXXReported BalanceXXXX XXXX (Updated XXXX XXXX XXXXReported Status: Charge-Off / Profit and Loss Write-Off, XXXX Past Due\n\nNature of New Dispute and New Evidence\n\nThis is a new dispute based on new evidence showing that TransUnion, through the furnisher XXXX XXXX updated this account on XXXX XXXX XXXX to continue reporting it as a Charge-Off (CO) with derogatory status and past due amounts.\n\nI dispute this account in full. It is not mine, I have never signed any contract or agreement for it, and XXXX XXXX has refused to provide proof of liability. This update also constitutes illegal re-aging, as the account was closed on XXXX XXXX XXXX yet continues to be reported with new derogatory notations in XXXX.\n\nStatutory Violations\n\nFCRA  1681e(b)  Failure to Ensure Maximum Possible Accuracy\nReporting ongoing CO status without verified contractual proof misrepresents the accounts accuracy.\n\nFCRA  1681i(a)(1)(A)  Duty to Reinvestigate Upon New Dispute\nThis is a new dispute with newly discovered evidence (XXXX XXXX XXXX update). You must conduct a full reinvestigation and verify with complete documentation.\n\nFCRA  1681i(a)(5)(A)  Duty to Delete Unverifiable Information\nIf the furnisher cannot produce a signed agreement proving liability and a full payment history, the account is unverifiable and must be deleted.\n\nFCRA  1681c(a)(4)  Illegal Re-Aging\nUpdating CO notations in XXXX  for an account closed in XXXX  changes the date of delinquency and artificially extends derogatory reporting beyond the permissible period.\n\nIRS Code  26 U.S.C.  6050P  Failure to Issue 1099-C\nNo 1099-C has been issued for the charged-off balance over $600, making the reporting misleading and incomplete.\n\nMetro 2 Standards  Improper Compliance Condition Code & Balance Reporting\nUnder Metro 2 guidelines, a charge-off with no current collection activity should reflect zero balance and zero past due, coded as disputed (XB). Reporting a XXXX balance with XXXX past due violates Metro 2 data integrity rules.\n\nRequired Action\n\nUnder FCRA  1681i(a) and  1681c-2(c), I demand that TransUnion:\n\nPermanently delete this American Express account from my credit file OR\n\nProvide complete documentary evidence, including a signed contract/agreement and a verified payment history.\n\nIf TransUnion cannot produce verifiable documentation, the account must be deleted entirely and blocked from reinsertion under  1681c-2(d).\n\nWritten confirmation of the reinvestigation results and corrective actions is required within the statutory timeframe. Failure to comply will result in escalation to the CFPB, FTC, IRS Criminal Investigation Division, and pursuit of all available civil remedies under FCRA  1681n and 1681o for willful and negligent noncompliance.'

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