Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Re : Formal Demand for Enforcement & Immediate Deletion Discover Card Charge-Off Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Reported Balance : {$1300.00} Account Status : Charged-Off / Closed Disputed Via : Certified U.S. Mail ( multiple requests ) FORMAL DEMAND FOR IMMEDIATE REMOVAL & ENFORCEMENT ACTION I submit this formal demand concerning the continued and unlawful credit reporting by XXXX for a charged-off account that I timely disputed via certified U.S. mail. Despite my lawful requests, XXXX has failed to provide true and complete legal debt validation, and the statutory response period has expired. 

Notwithstanding this failure, XXXX continues to furnish derogatory charge-off data to XXXX  and TransUnion, XXXX ongoing harm. 

This conduct is willful, knowing, and actionable under federal law. 
I disputed the XXXX Card account in Consumer Financial Protection Bureau Re : Formal Demand for Enforcement & Immediate Deletion Discover Card Charge-Off Account : XXXX Card ( ending XXXX ) Reported Balance : {$1300.00} Account Status : Charged-Off / Closed Disputed Via : Certified XXXX Mail ( multiple XXXX ) FORMAL DEMAND FOR IMMEDIATE REMOVAL & ENFORCEMENT ACTION I submit this formal demand concerning the continued and unlawful credit reporting by XXXX for a charged-off account that I timely disputed via certified XXXX mail. Despite my lawful requests, XXXX has failed to provide true and complete legal debt validation, and the statutory response period has expired. 

Notwithstanding this failure, XXXX continues to furnish derogatory charge-off data to Equifax and TransUnion, XXXX ongoing harm. 

This conduct is willful, knowing, and actionable under federal law. payment history has been produced. 

The XXXX statutory period has expired. 

Despite non-compliance, XXXX continues reporting a charge-off to the credit bureaus. 
FEDERAL LAW VIOLATIONS Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ) & ( b ) Failure to provide validation after a timely written dispute and continuation of collection activity, including credit reporting.

15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of an alleged debt.

15 U.S.C. 1692e ( 8 ) Communicating credit information known or which should be known to be false, including reporting without validation and failure to accurately reflect dispute status.

15 U.S.C. 1692f Unfair or unconscionable collection practices.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Information that is inaccurate, incomplete, or unverifiable must be deleted.

15 U.S.C. 1681n & 1681o Civil liability for willful and negligent non-compliance, including statutory, actual, and punitive damages, plus attorneys fees.

UDAAP ( CFPB Authority ) 12 U.S.C. 5531 & 5536 Unfair, Deceptive, or Abusive Acts or Practices. Continuing to report a charged-off account without lawful validation after certified disputes is unfair and deceptive.

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