Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
Subject : Formal Dispute XXXX Account XXXX XXXX Reporting Violations and Unverified Charge-Off To Whom It May Concern, This letter is a formal dispute concerning the XXXX account # XXXX XXXX as currently reported on my TransUnion credit file. This trade line is being inaccurately reported as a chargeoff and contains multiple serious violations of the Fair Credit Reporting Act ( FCRA ). 
The following issues are being disputed : XXXX. No Payment History : This account does not display a payment history. This omission violates XXXX XXXX XXXX XXXX ( b ), which requires consumer reporting agencies to maintain procedures to ensure maximum accuracy. 
XXXX. Overstated High Balance : The credit limit is reported as {$270.00}, yet the high balance is reported as {$460.00}. This discrepancy suggests improper overcharging or incorrect reporting that has not been substantiated. 
XXXX. Improper Charge-Off & Resale : The account is marked as charged off as bad debt, yet the remarks indicate it was purchased by another lender. This is a clear red flag. 
Once an account is charged off, it can not legally be resold for collection doing so constitutes double collection, a deceptive practice, and potential FCRA and FDCPA violations. 
XXXX. No Verification of Debt : Despite multiple disputes, TransUnion has not provided : o Documentation of who verified the account, o A complete and accurate payment history, o A copy of the original contract bearing my wet ink signature. 
XXXX. Missing Creditor Contact Info : The contact section lists only XXXX, OH XXXX, which is not a complete address. This omission prevents me from contacting the furnisher directly. It violates FCRA requirements under XXXX XXXX XXXX XXXX ( a ) ( XXXX ), which mandates that the credit bureau provide the full name and mailing address of any furnisher reporting negative information. 
Furthermore, if this account was sold to XXXX XXXX, I have already received a letter stating they could not validate it and that all credit bureaus were to remove it. Experian and Equifax complied, but TransUnion continues to verify this information, which is unacceptable. I have already submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ). 
DEMAND FOR RESOLUTION : I am demanding the following actions be taken immediately : Delete this account from my credit file, Provide the name of the party that verified the account and documentation used, Disclose the complete and accurate address of the furnisher, as required by law, Cease the continued reporting of unverifiable and inaccurate information. 
If this matter is not resolved within the XXXX dispute period as outlined in XXXX XXXXXXXX XXXX XXXXXXXX ( a ), I will escalate with the FTC, CFPB, and the XXXX XXXX XXXX XXXX  for TransUnions continued violation of my consumer rights. 
Please provide written confirmation of your findings and an updated copy of my credit report. 
Sincerely, 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