Consumer complaint received 2025-06-30 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: MI

Complaint narrative:
I am writing to challenge the results of your investigation dated XX/XX/XXXX, under file number XXXX regarding the XXXX account ( # XXXX ). 

TransUnion has reported this account as Verified as Accurate and Updated, yet significant evidenceprovided here with and already submitteddemonstrates that the information is inaccurate, unverifiable, and misleading.

1. Contradictory Ownership and Reporting Timeline Your report reflects the following : * Pay Status : Transferred ; was Charged-off * Date Closed : XX/XX/XXXX * Date Updated : XX/XX/XXXX * Balance : {$0.00} * Remarks : " Transferred to another lender ; Paid in full/was a charge off '' Yet, according to the letter from XXXX XXXX XXXX ( dated XX/XX/XXXX ) : * The account was transferred from XXXX to XXXX XXXX XXXX on or about XX/XX/XXXX, and then sold to XXXX XXXX XXXX XXXX by XX/XX/XXXX. 
XXXX XXXX confirms they ceased all ownership and reporting as of XX/XX/XXXX. 

Why, then, is TransUnion reflecting activity and updates through XX/XX/XXXX, under the original creditor XXXX? This is misleading and implies continued activity or verification by a creditor who no longer owns or reports the account.

2. Inaccurate Pay Status and Conflicting Remarks The reporting includes remarks such as : * Transferred ; was charged-off * Paid in full/was a charge off * Account sold to XXXX XXXX XXXX XXXX However , this is inconsistent : * A debt can not simultaneously be paid in full and also charged off.

* It also can not be reported by the original creditor ( XXXX ) after the sale has occurred unless that creditor still maintains ownership or servicing rights. XXXX  letter explicitly denies this. 

3. Invalid and Confusing Reporting Notations The rating history shows delinquency codes for months after the account was allegedly transferred : * XX/XX/XXXX = CO * XX/XX/XXXX = CO * XX/XX/XXXX = CO * XX/XX/XXXX = XXXX As per FCRA 623 and Metro 2 guidelines : * Once an account is sold or transferred, the original creditor must cease delinquency reporting unless they still legally own or service the account.

* No ownership or legal documentation has been provided from XXXX XXXX XXXX or XXXX XXXX XXXX to justify continued updates. 
4. Lack of Verification Documentation Despite multiple disputes, neither XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX has provided : * A chain of title * A bill of sale * Any proof of continued legal authority to furnish this tradeline under the original creditor 's name You can not validate an account based solely on creditor-furnished data when that data is conflicting, outdated, or sourced from a party who no longer owns the account.

Why This Account Can not Be Verified as Accurate and Must Be Deleted : 1. Creditor No Longer Owns the AccountXXXX XXXX XXXX  explicitly stated the account was sold and they are no longer involved in reporting. TransUnion can not claim accuracy without an active furnisher that owns or services the account.

2. No Legal Chain of Title or Debt Ownership ValidatedNo bill of sale, assignment, or ownership chain has ever been provided by XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. Without these documents, verification is impossible under FCRA standards.

3. Reporting by an Inactive Furnisher After TransferXXXX confirmed in writing they ceased reporting after XX/XX/XXXX. TransUnions file shows updates into XX/XX/XXXX, directly contradicting that statement. 

4. Conflicting Remarks and Status CodesTransUnions report simultaneously states : * Transferred, Paid in Full, and Charged Off * This is both logically and legally inconsistent. A tradeline can not carry all three statuses at once.

5. Delinquency Reporting After Sale Violates Metro 2Notations for CO ( charge-off ) status in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX violate Metro 2 guidance, which prohibits continued delinquency reporting after sale or transfer unless properly documented by the new owner.

6. No Validation of the Balance ReportedThe final balance reported as {$2900.00} contradicts XXXX own breakdowns, which include multiple returned payments, yet TransUnion did not evaluate or provide documentation supporting this amount.

7. No Method of Verification DisclosedUnder FCRA 611 ( a ) ( 7 ), I am entitled to know how the data was verified and by whom. TransUnion has failed to disclose this despite repeated requests.

8. Consumer Harm from False Status UpdatesContinuing to reflect derogatory information under an invalid and inactive tradeline has directly harmed my credit, misrepresented my financial status, and interfered with my ability to obtain credit fairly.

Request for Immediate Action In light of these inconsistencies, I am demanding that TransUnion : 1.
Immediately delete the XXXX account ( # XXXX ) from my credit report due to the absence of verifiable ownership and the contradictory and misleading reporting language.

2. Provide a detailed method of verification, including which party confirmed the data, and on what basis.

3. Include a copy of the documents used to verify the account per FCRA 611 ( a ) ( 7 ).

Failure to remove unverifiable and inaccurate information is a violation of the FCRA and subjects TransUnion to liability under 616 and 617. If unresolved, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the FDIC, and consider legal action for willful noncompliance.

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