Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
This complaint is directly related to XXXX XXXX  falsely, illegally and knowingly reporting fraudulent misleading credit information on my personal credit report! I have an active XXXX complaint open, have been in contact with XXXX, from XXXX executive customer service relations department ( XXXX XXXX  ) This previous complaint against XXXX XXXX, filed on XX/XX/XXXX case # XXXX but received a response by XXXX  XXXX as Marked as Duplicate is just outrageous and unethical response from this bank. 

This company, XXXX XXXX  as in charge of my XXXX credit card marked my account as c/o in red for XXXX and XX/XX/XXXXXXXX  which means charged off. This suddenly appeared on my credit report on XX/XX/XXXX only. Each month in history from XX/XX/XXXX to XX/XX/XXXX remains as XXXX XXXX  from XXXX for XXXX, XXXX was XXXX, XX/XX/XXXX was XXXX, XX/XX/XXXX was XXXX then XX/XX/XXXX was XXXX. Then suddenly, I received notice on XX/XX/XXXX XXXX XXXX XXXX potentially negative results that dropped my XXXX  score XXXX points. After checking my credit report, I noticed my XXXX credit card was just marked as c/o for XXXX and XX/XX/XXXX only the for XXXX I received a free check mark for or meaning, open and in good standings. I immediately filled a CFPB complaint mentioned above and a complaint to the XXXX  thats still open. I received a call from XXXX from XXXX executive consumer relations department of my XXXX credit card. He was calling on behalf of my XXXX  complaint. I explained EVERYTHING stated about, informed XXXX Ive never been late, never missed a payment, have exceptional credit history with XXXX and questioned this false, misleading and fraudulent reporting of my account being charged off for XXXX and XX/XX/XXXXXXXX  only, then returned to normal on XX/XX/XXXX. XXXX couldnt answer my question nor explain this. He informed me he would reach out to XXXX XXXX  to investigate. A few days later, I returned a call from XXXX, who informed me they spoke with XXXX XXXX  and were told it could take up to 30 days to resolve. I explained to XXXX, this fraudulent reporting by XXXX bank has caused my XXXX  score to drop XXXX points, from XXXX to XXXX. Doing this has caused me to incur higher homeowners insurance, going from {$1700.00} a year to now new policy to {$2100.00}??? My car insurance increased as well directly to my poor XXXX  score of XXXX, cause by fraudulent reporting by XXXX XXXX  to increase from {$130.00} a month to {$150.00} a month. Over {$200.00} more a year. Ive also been denied credit increases from other credit cards I have again, directly do to poor XXXX  score of XXXX. I received a call today from XXXX, representative from XXXX consumer executive department to inform me of update as of today, hes still working with XXXX bank and my complaint to the XXXX  but nothing new to report today. This is outrageous response and inexcusable behavior and business practices by a company and their bank! 

Today, I received notification from my credit monitoring company my XXXX  score suddenly increased XXXX points to XXXX. I checked my credit report and noticed the negative reporting of charged off was removed for XXXX and XX/XX/XXXX but, I received a notification from TRANS UNION that my XXXX score dropped XXXX points to XXXX? What is going on? I have had nothing positive with XXXX XXXX with disputes of reporting negative XXXX  scores in the XXXX when for months my XXXX  score with XXXX  and XXXX  has been in the XXXX. XXXX XXXX  and now Trans Union need to be fully investigated as they are reporting fraudulent, misleading and inaccurate information to my credit report thats doing tremendous damage to me, both emotionally and economically. Im asking the CFPB to please not allow this company to just wipe away a complaint with responding with, Marked as Duplicate which it is not. This is a serious violation and criminal activity, conduct. I will forward this complaint to my NJ State Attorney Generals Office as well and the Comptrollers office, asking for a full investigation.

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