Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Inaccurate Credit Reporting Under the Fair Credit Reporting Act File Number : XXXX To Whom It May Concern, This letter is a formal dispute of inaccurate and incomplete information on my TransUnion credit report dated XX/XX/XXXX. These items violate the Fair Credit Reporting Act ( FCRA ) 602A, 604, 607, 609, 611, and 623, which require accurate, complete, and verifiable reporting. Please investigate and remove or correct the following accounts : ________________________________________ XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX Reports Charge-off every month from XX/XX/XXXX through XX/XX/XXXX despite the fact that a charge-off is a one-time event. Continuous re-aging of a charge-off is misleading and violates FCRA 623 ( a ) ( 5 ). 
Account shows Terms : $ XXXX for 79 months but no payments were made post-charge-off, which is inaccurate. 
Closed XX/XX/XXXX but still reporting ongoing delinquency as if active. 
Requested Action : Correct reporting to reflect a single charge-off date and remove any re-aged or duplicative derogatory entries. 
________________________________________ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Reports Charge-off from XX/XX/XXXX onward with remarks PRL ( profit and loss write-off ) and DRC ( dispute resolved/consumer disagrees ). Duplicate derogatory coding for the same event unfairly impacts scoring. 
Shows High Balance from XX/XX/XXXX to XX/XX/XXXX despite closing on XX/XX/XXXX inconsistent with actual closure date. 
Requested Action : Remove duplicate derogatory codes and correct high balance/closure date inconsistencies. 
________________________________________ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports Charge-off from XX/XX/XXXX onward but also coded PRL and XXXX in XXXX duplicate negative statuses for same delinquency. 
Last payment shows XX/XX/XXXX, but high balance was updated in XXXX, which is factually impossible without activity. 
Requested Action : Correct to reflect accurate last activity date and remove redundant derogatory codes. 
________________________________________ XXXX. XXXX XXXX Account # XXXX XXXX XXXX  Account shows Paid in Full yet still states was a Charge-off. Reporting a charge-off after full payment is misleading and violates FCRA 607 ( b ) ( maximum possible accuracy ). 
Requested Action : Remove was a charge-off notation from a paid account. 
________________________________________ XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Reports Placed for Collection with Account information disputed by consumer remark, but there is no evidence of a proper reinvestigation under FCRA 611 ( a ). 
Reporting past-due balance without validating debt may violate FCRA 623 ( a ) ( 1 ). 
Requested Action : Provide full validation of debt and proof of proper reinvestigation or delete the account. 
________________________________________ Legal Basis for Dispute : Under FCRA 611 ( a ), you must complete an investigation within 30 days, verify each disputed item with the original furnisher, and delete or correct any unverifiable or inaccurate information. Failure to do so will be considered willful noncompliance under FCRA 616 and negligent noncompliance under 617. 
Please provide : 1. Written confirmation of the investigation results.

2. The name, address, and phone number of each furnisher contacted.

3. A free updated copy of my credit report after corrections.

I am enclosing a copy of my ID and proof of address for verification purposes. 
Sincerely, 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 non-monetary relief