Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting or other personal consumer reports Issue : Incorrect information on credit report STATEMENT OF COMPLAINT I am filing this NEW complaint because TransUnion LLC and XXXX failed to meaningfully respond to a prior CFPB complaint and continue to report inaccurate, duplicate, and illegally re-aged information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. FAILURE TO RESPOND IN GOOD FAITH In my prior CFPB complaint, I alleged specific violations of federal law, including duplicate reporting, false late payments on a charged-off account, reinsertion without notice, and failure to provide a lawful Method of Verification. 
Instead of addressing these violations, the company improperly reclassified my legal complaint as a routine credit dispute and marked the account as disputed, without correcting or deleting any inaccurate information. This is not a substantive response and does not satisfy FCRA obligations. 
XXXX. DUPLICATE AND CONFLICTING REPORTING TransUnion continues to report multiple versions of the same WebBank/Avant account with conflicting balances and statuses. Reporting duplicate trade lines for the same debt violates FCRA 1681e ( b ), which requires maximum possible accuracy. 
XXXX. ILLEGAL RE-AGING AND FALSE LATE PAYMENTS The account was closed and charged off in XX/XX/XXXX. Despite this, TransUnion continues to report new late payments in XXXX. Reporting new delinquencies on a charged-off account is factually impossible and constitutes illegal re-aging of debt in violation of FCRA 1681i ( a ) and 1681s-2 ( a ). 
XXXX. FAILURE TO PROVIDE METHOD OF VERIFICATION Neither TransUnion nor XXXX has provided the Method of Verification required under FCRA 1681i ( a ) ( 7 ). No original signed contract, full payment history, or documentation supporting the alleged late payments has ever been produced. 
XXXX. IMPROPER REINSERTION If any portion of this account was previously deleted and reinserted, TransUnion failed to provide the written notice required under FCRA 1681i ( a ) ( 5 ) ( B ). No reinsertion notice was ever sent to me. 
REQUESTED RESOLUTION I am NOT requesting a correction. I am demanding : Permanent deletion of all WebBank/Avant trade lines from my TransUnion credit report Written confirmation that no reinsertion will occur without full FCRA compliance Full disclosure of all documents allegedly used to verify this account Confirmation that TransUnion has ceased reporting any re-aged or duplicate information If these violations are not corrected immediately, I reserve the right to pursue additional regulatory complaints and legal remedies. 
LAWS VIOLATED FCRA 1681e ( b ) Failure to assure maximum possible accuracy FCRA 1681i ( a ) Failure to properly reinvestigate disputed information FCRA 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion without notice FCRA 1681i ( a ) ( 7 ) Failure to provide Method of Verification FCRA 1681s-2 ( a ) Furnishing false or misleading information

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