Consumer complaint received 2025-03-22 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: TN

Complaint narrative:
Rebuttal to XXXX XXXX XXXX XXXX XXXX XXXX Complaint ID : XXXX I am submitting this follow-up to dispute the results XXXX provided in response to Complaint ID XXXX regarding the XXXX XXXX XXXX XXXX account ending XXXX XXXX XXXX 

XXXX claims this account is reporting as paid as agreed with no late payments, and that it has been verified. However, this statement is inaccurate, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Inaccuracies Identified XXXX. Contradictory Reporting : Your response states : Paid as agreed, with no late payments. 
Yet, the attached XXXX report clearly displays multiple late payments, including 30, 60, 90, 120, and even 150-day delinquencies.

This directly contradicts your own verification statement.

2. Derogatory Status Still Present : If the account is paid as agreed with no late payments, then reporting it as Der
ogatory is false and damaging.

3. Past Due Balance Still Showing : The account still reports a past due balance of {$230.00}, which is inconsistent with a paid as agreed status.

4. Credit Limit Inaccuracy : XXXX  shows a {$0.00} credit limit, while TransUnion and XXXX both report {$2500.00}. This artificially impacts my credit utilization ratio. 
XXXX. Re-Aging of Account Activity : The Date Last Active shows as XX/XX/year>, while the Date of Last Payment is XX/XX/year>. 
This discrepancy could constitute illegal re-aging of the account, which is prohibited under the FCRA.

Applicable FCRA Violations FCRA 607 ( b ) Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate data after being notified of dispute.

FCRA 623 ( b ) Failing to correct and update information after dispute.

Equifaxs History of Non-Compliance In light of the Consumer Financial Protection Bureaus order requiring XXXX to pay {$15.00} XXXX for FCRA violations including failing to correct inaccurate information and failing to properly investigate disputes I am extremely concerned by the repeated pattern of misreporting and denial of legitimate disputes. 



Requested Action Due to the contradictory reporting, failure to provide an accurate investigation, and ongoing FCRA violations, I respectfully request : Immediate deletion of this XXXX XXXX XXXX XXXX account from my XXXX credit report. 
Full reinvestigation, if not deleted, with accurate documentation from the furnisher. 
Written explanation and confirmation of the final resolution. 



Please confirm receipt of this rebuttal and provide timely resolution in compliance with FCRA regulations. 

Thank you, XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN 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