Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
This letter serves as my second formal dispute regarding the XXXX XXXX collection account ( Account # : XXXX XXXX XXXX XXXX XXXX ) that continues to appear on my credit report. While your records show the account was updated to a closed status, it was not removed which violates the principles and requirements outlined in the Fair Credit Reporting Act ( FCRA ) and relevant case law. 
Let me be clear : this is a closed collection account, and continuing to report it in its current state is misleading, inaccurate, and legally improper. 
Legal Grounds for Deletion XXXX. FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Obsolete/Incorrect Reporting A closed collection account that has been resolved ( whether paid or otherwise closed ) must not continue to appear as active derogatory. A collection by definition indicates active pursuit of debt. If it is closed, it should not appear as an open or current negative entry. 
XXXX. FCRA 607 ( b ) Maximum Accuracy Requirement The credit bureaus are legally obligated to ensure all information on a consumers report is accurate and not misleading. Continued reporting of a closed collection implies current delinquency, which distorts my creditworthiness and violates this provision.

3. FCRA 611 Failure to Properly Reinvestigate I previously disputed this account. Simply updating the status to closed without deleting the account entirely fails to resolve the misleading nature of the entry. This violates your statutory reinvestigation duties. 
XXXX. FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) Misleading Communication The continued presence of a closed collection item on my report could be interpreted as a false or misleading representation, especially if the debt is no longer being collected or has been settled. This section prohibits communication of false credit information.

5. FTC & Court Guidance According to multiple FTC interpretations and case law, once a collection account is closed and no longer being pursued, it should not be reported in a manner that causes continued credit damage. Closed collections that remain post-resolution often constitute inaccurate and unfair credit reporting.

Summary of Issues The collection account has been closed, yet remains on my report. 
The account implies current derogatory status despite being inactive. 
The reporting is incomplete and misleading, violating the FCRA and FDCPA. 
This is my second dispute regarding this same issue. 
You have a duty to remove unverifiable or misleading data after a dispute. 
Requested Action I am not requesting an update or another reinvestigation. I am demanding the full deletion of the XXXX XXXX account from my credit report. 
I hereby request : XXXX. Immediate deletion of the Portfolio Recovery account from my credit report 2. Written confirmation of deletion XXXX. An updated copy of my credit report reflecting this correction Failure to comply may result in additional complaints to the CFPB, FTC, State Attorney Generals Office, and legal counsel under 15 U.S.C. 1681n and 1681o, where I may seek statutory and punitive damages.

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