Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN ( Last Four ) : XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To XXXX XXXX XXXX Attn : Credit Reporting Department Subject : Formal Dispute and Demand for Permanent Deletion of Inaccurate Reporting Dear XXXX This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and a demand for immediate deletion and correction of inaccurate, unverifiable, and misleading information you continue to furnish to XXXX, XXXX, and TransUnion regarding the above-referenced auto loan account. 

My XXXX vehicle was declared a total loss on XX/XX/XXXX, and the account was fully satisfied through two verified settlements : State Farm Insurance Claim # XXXX, with payment issued directly to XXXX XXXX XXXX  around XX/XX/XXXX ; and XXXX GAP Claim # XXXX, which satisfied any remaining balance after the insurance payout.

The total loss occurred only days after the vehicle was serviced at XXXX XXXX XXXX XXXX in XXXX, Florida, when an engine fire rendered the vehicle inoperable. Following that fire, XXXX XXXX declared the vehicle a total loss, and both settlements were finalized by the end of XXXX. 
From that point forward, no payment obligation existed, and no payments were made beyond XXXX. Nevertheless, XXXX XXXX XXXX has continued to report monthly payments throughout XXXX and into XXXX. This reporting is false, misleading, and constitutes an unlawful attempt to re-age the debt, in direct violation of the Fair Credit Reporting Act and Metro 2 Credit Reporting Standards. By fabricating post-closure payment activity, XXXX is materially misrepresenting the age, status, and character of the account, deceiving both creditors and the credit reporting agencies.

Your conduct violates multiple federal statutes and standards : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know, or have reasonable cause to believe, is inaccurate.

15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation and correct or delete disputed data once notified by a credit reporting agency.

FCRA 1681i requires deletion of unverifiable or incomplete information after reinvestigation.

Under Metro 2 guidelines ( Consumer Data Industry Association ), when an account is paid through insurance or GAP coverage, the trade line must be updated to show Closed/Paid with a XXXX balance and no subsequent payment reporting. 
Furthermore, XXXX  inconsistent and unauthorized furnishing of personal financial information to third-party credit bureaus also implicates violations of the Gramm-Leach-Bailey Act ( 15 U.S.C. 6802 ), which prohibits financial institutions from disclosing nonpublic personal information except as authorized by law or consumer consent. Additionally, misrepresenting the accounts status constitutes a deceptive practice under the Federal Trade Commission Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts in commerce.

By continuing to report this false information, XXXX XXXX XXXX is engaging in willful and negligent violations of federal law, creating liability under 15 U.S.C. 1681n and 1681o. Courts have held furnishers and credit bureaus accountable for failing to investigate and correct false data, as established in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) and Reynolds v. HSBC Bank USA, 2019 WL 1436993 ( S.D.N.Y. XXXX ). 
Accordingly, I demand that within 30 days of receipt of this notice, you : Conduct a reasonable reinvestigation in compliance with 15 U.S.C. 1681s-2 ( b ) ; Delete all inaccurate and incomplete payment data for XXXX and XXXX, and update the account to reflect Paid/Closed as of XX/XX/XXXX with a XXXX balance ; Provide written confirmation that these corrections have been made ; and Notify XXXX, XXXX  , and TransUnion of the corrections to ensure complete and consistent reporting across all credit bureaus.

Enclosed for your review are : Copy of the XXXX XXXX Settlement Statement ; Copy of the XXXX GAP Claim Acknowledgment ; Copy of the relevant credit report excerpts highlighting the inaccurate trade line.

If these inaccuracies are not corrected within 30 days, I will file formal complaints with the Federal Trade Commission ( FTC ), and appropriate state regulatory agencies, and will pursue all available remedies under 15 U.S.C. 1681n, 1681o, and 1681s-2 for continued noncompliance.

Thank you for your prompt attention to this matter 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