Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and related consumer protection laws, regarding multiple inaccuracies, unlawful reporting practices, and violations of my rights as a consumer. The information listed below is being reported incorrectly on my credit report despite the fact that I am under the protection of a XXXX  XXXX Bankruptcy case, and these furnishers have failed to comply with the law. 

Accounts in Dispute 1. XXXX XXXX Account # XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Issue : This account is being reported inaccurately and in violation of the automatic stay protections under the XXXX Bankruptcy Code ( 11 U.S.C. 362 ). Once a bankruptcy is filed, creditors are prohibited from continuing collection activities or reporting derogatory information. Reporting this account in a negative status after my XXXX  XXXX filing constitutes willful misconduct and a direct violation of federal law. 

2. XXXX XXXX Account # XXXX High Balance : {$48000.00} Date Opened : XX/XX/XXXX Issue : This account is also being reported with derogatory and misleading information despite the existence of an active XXXX  XXXX Bankruptcy. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are required to provide only accurate and complete information to the credit bureaus. The continued reporting of this account as negative directly misleads creditors and lenders, damages my credit standing, and violates my consumer rights. 

Bankruptcy Protection XXXX XXXX Bankruptcy Reference # XXXX XXXX Bankruptcy XXXX  XXXX  XXXX Bankruptcy Reference # XXXX XXXX Bankruptcy XXXX Both of the above XXXX  XXXX filings provide federal protection against continued collection activity and adverse reporting. Under 11 U.S.C. 524, the discharge and protection provisions strictly prohibit creditors from attempting to collect or misreport accounts included in bankruptcy. By continuing to report inaccurate data, these creditors and credit reporting agencies are engaging in unlawful practices. 

Legal Violations FCRA 602 & 623 Furnishers must report only accurate and truthful information. False or misleading reporting is a direct violation.

FCRA 611 Consumers have the right to dispute and demand reinvestigation of inaccurate information.

XXXX. Bankruptcy Code ( 11 U.S.C. 362 & 524 ) The automatic stay and discharge injunction prohibit continued negative reporting or collection on accounts subject to bankruptcy.

Requested Relief I respectfully request the CFPB to take immediate enforcement action against these furnishers and reporting agencies. Specifically, I demand : Removal of all inaccurate, misleading, and unlawful reporting associated with the above accounts.

Full compliance with the Bankruptcy Code and FCRA.

Written confirmation that the accounts have been corrected and updated to reflect accurate reporting status in line with bankruptcy protection.

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