Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
Final Notice of Dispute and Intent to Sue Willful Violations of FCRA and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed / Charged Off : XX/XX/XXXX, XXXX Payment Date : XX/XX/XXXX, XXXX Bureaus : TransUnion, ExperianReferenced CFPB Complaint : # XXXX Address Used ( Incorrect ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and as a final notice of intent to initiate legal proceedings due to documented, willful, and repeated violations of federal credit reporting law and XXXX XXXX data furnishing standards. 

I do not acknowledge the validity of the debt reported. The tradeline is materially inaccurate, legally defective, and must be permanently removed from all consumer reporting agencies. Furthermore, due to the volume and willfulness of violations, I am seeking a monetary settlement for damages that now exceed the alleged balance. 

I. LEGAL VIOLATIONS IDENTIFIED XXXX. Unlawful Post-Charge-Off Reporting ( FCRA 1681e ( b ), Metro 2 ) Despite being charged off and closed on XX/XX/XXXX, this account continues to show : A {$9600.00} past due balance as of XX/XX/XXXX A Monthly Payment of {$360.00} A dynamic utilization figure ( 71 % left to pay ) Charged-off accounts can not legally report new derogatory activity or imply current repayment terms. This constitutes furnishing false information and is a violation per month that such reporting continues. 

XXXX. Ongoing Derogatory Updates After Closure ( FCRA 1681e ( b ), Metro XXXX ) XXXX and the bureaus continue to report derogatory monthly payment data for at least 36 months after the charge-off date, including Charge-Off and 3060 Days Late notations. XXXX XXXX XXXX guidelines, no new delinquency can be reported post-charge-off. 

Violation count : XXXX Statutory damages : {$36000.00} XXXX. Factual Misrepresentation of Account Status ( FCRA 1681e ( b ) ) The account is misrepresented as simultaneously : Charge-Off Derogatory Current Open ( in some systems ) This inconsistency misleads scoring models, lenders, and regulators. 

Violation count : 1Statutory damages : {$1000.00} 4. False Past Due Balance Reporting ( FCRA 1681e ( b ) ) Reporting a past due balance in XXXX after a charge-off occurred in XXXX is unlawful re-aging of debt. 

Violation count : XXXX damages : {$1000.00} XXXX. False Monthly Payment Field After Closure ( FCRA 1681e ( b ), Metro 2 ) Reporting a $ 360 monthly payment on a closed account violates both XXXX XXXX and FCRA. 

Violation count : XXXX Statutory damages : {$1000.00} XXXX. Duplicate Dispute Remarks ( XXXX XXXX Violation ) Account information disputed by consumer appears twice, violating XXXX XXXX formatting. 

Violation count : XXXX Statutory damages : {$1000.00} XXXX. Failure to Conduct Reasonable Reinvestigation ( FCRA 1681i ) Despite multiple formal disputes, no corrections have been made. 

Violation count : XXXX Statutory damages : {$1000.00} XXXX. Payment History Tampering After Closure ( FCRA 1681e ( b ), 1681s-2 ( b ) ) In XX/XX/XXXX, TransUnion and XXXX retroactively altered payment history for XXXX without any active dispute, notice, or factual basis. 

Violation count : XXXX Statutory damages : {$1000.00} XXXX. Misuse of Mailing Address in Violation of FCRA 1681g and Notification Rights As noted in the response to CFPB Complaint # XXXX, XXXX sent legally required notices ( intent to sell, deficiency accounting ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a reference address not associated with my residence. This invalidates notice and violates my XXXX right to dispute under the FCRA and FDCPA. 

Violation count : XXXX Statutory damages : {$1000.00} XXXX. DAMAGES SUMMARY Violation Description Count Damages Post-charge-off derogatories XXXX {$36000.00} False past due balance XXXX {$1000.00} False monthly payment reporting 1 {$1000.00} Contradictory status reporting XXXX {$1000.00} Duplicate dispute remarks XXXX {$1000.00} Failure to reinvestigate XXXX {$1000.00} Payment history manipulation XXXX {$1000.00} Improper address used for legal notices XXXX {$1000.00} TOTAL ESTIMATED VIOLATIONS XXXX {$43000.00} XXXX. DEMAND FOR SETTLEMENT To resolve this without litigation, I demand : Permanent deletion of this tradeline from TransUnion and Experian Written confirmation of deletion from XXXX and the bureaus A certified settlement check for {$21000.00} ( 50 % of statutory damages ), payable to me A written guarantee that this tradeline will not be reinserted under any variation, affiliate, or collector IV. DEADLINE TO RESPOND If full compliance is not met within XXXX calendar days of receipt : I will file suit in XXXX XXXXXXXX XXXX seeking full statutory damages and other relief I will submit complaints to the XXXX Attorney General I will disclose these violations publicly across legal consumer forums This is your final opportunity to resolve this matter outside of court. Forward this to your legal department without delay.

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