Consumer complaint received 2025-07-22 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:
This is a supplemental complaint to CFPB # XXXX based on a XX/XX/XXXX phone call I received from an XXXX corporate representative, placed on a recorded line, in which the representative claimed that my account is outstanding and currently in collections with XXXX. 

This statement alone presents multiple legal contradictions : - How can a balance be outstanding if the account was charged off in XX/XX/XXXX, as XXXX Bank confirmed in its XX/XX/XXXX and XX/XX/XXXX letters? 
- How can XXXX state the account is in collections with XXXX, yet still be reporting the account to TransUnion under XXXX Bank with an updated balance and monthly charge-off status? 
- How is XXXX legally allowed to contact me at all if theyve confirmed they no longer own or service the debt? 

These contradictions further validate that this account is now XXXX XXXX unverifiable under the Fair Credit Reporting Act ( FCRA ). There is no valid furnisher, no accurate ownership chain, and no lawful basis for continued updates on a charged-off debt that has been transferred multiple times. 

Additionally, for more than XXXX years, I have submitted disputes regarding this account to TransUnion and each time, the bureau has : - Closed and then reopened the account, - Allowed new Date Closed or Date Reported entries to be added, - Permitted OppLoans/FinWise to continue furnishing information despite confirmed closure and collection placement. 

These actions reflect a willful disregard for FCRA 611 ( a ) and 1681e ( b ), as well as Metro 2 standards. They also confirm a pattern of re-aging and deceptive re-reporting that continues to suppress my credit score, mislead lenders, and cause ongoing harm despite concrete documentary proof submitted as far back as XXXX. 

1. Contradiction Between Outstanding Balance, Charge-Off, and Collections Placement On XX/XX/XXXX, I received a call from an XXXX corporate representative on a recorded line, who clearly stated : The balance is outstanding and the account is currently in collections with XXXX. 

This raises serious legal contradictions : If the account was charged off in XX/XX/XXXX ( as confirmed in prior letters from XXXX and again on the call ), it can not simultaneously be described as outstanding. 

If the account is in collections with XXXX, then neither XXXX  nor XXXX  has legal standing to : Furnish this data to TransUnion, or Contact me about the debt they do not own This proves the account is no longer verifiable and violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know to be inaccurate, XXXX guidelines as the reporting is inherently deceptive and misleading. 

2. TransUnions Illegal Re-Aging Through Repeated Reopenings and Closures As attached screenshots clearly show that TransUnion has reopened and re-closed this same FinWise/Opploans account at least XXXX times between XXXX and XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time the account status is updated, TransUnion : XXXX the Date Closed and Date Reported fields, making the tradeline appear recent, Allows the creditor to continue reporting monthly charge-off notations, despite confirming the account was closed in XXXX. 

These practices : Artificially extend the life of the negative tradeline, Depress my XXXX XXXX, And violate : FCRA 1681i ( a ) ( 5 ) ( B ) prohibiting reinsertion of previously disputed data without notice and certification, FCRA 1681e ( b ) requiring maximum possible accuracy in consumer reporting, Metro 2 Guidelines which state closed/charged-off accounts must not be updated monthly unless new, valid activity exists ( which there is none ).

3. XXXX Call Confirms They Have No Legal Standing to Report or Contact Me By admitting the account is now in collections with XXXX, the XXXX  representative confirmed : They are no longer the creditor or data furnisher of record, They have no legal right to report the account to TransUnion, and They have no lawful authority to contact me about this debt. 

This contradicts the reporting history and proves : The account is XXXX XXXX unverifiable, There is no legal data source to validate the continued tradeline, And TransUnion is knowingly reporting outdated, inaccurate, and unauthorized information. 

4. Evidence of TransUnions Failure to Comply With the FCRA Despite multiple disputes since XXXX and multiple confirmations from XXXX  that : The account was charged off in XX/XX/XXXX, It was sent to third-party collections and no longer serviced by them, TransUnion continues XXXX : Reopen and re-close the account, Allow monthly charge-off notations, Show Date Reported fields into XXXX. 

This is a clear violation of FCRA and XXXX XXXX standards and confirms that TransUnion : Did not conduct a reasonable reinvestigation under FCRA 1681i ( a ), Permitted re-aging, which is not just deceptive but financially damaging to me, And failed to correct or delete unverifiable information, despite proof that the furnisher has relinquished ownership. 

Pattern of XXXX XXXX and Legal Demand for Deletion This account has been the subject of ongoing disputes since XXXX. Over that time, I have submitted multiple disputes directly to TransUnion, all supported by documentation proving the following : The account was charged off and closed in XX/XX/XXXX, as confirmed in writing by XXXX Bank. 
The account was transferred to collections at least XXXX times, meaning XXXX and XXXX no longer have legal authority to report the tradeline. On top of the account going to collections AFTER being charged off Transunion has yet to report this on my report. 
As of XX/XX/XXXX, an XXXX corporate representative confirmed on a recorded line that the account is now in collections with XXXX and outstanding, which is impossible when the account is in charge-off status. 
TransUnion has repeatedly reopened and re-closed the account, in violation of XXXX XXXX and FCRA, artificially re-aging the tradeline and damaging my credit. 

Despite having submitted clear and consistent documentation proving these facts, XXXX and XXXX ignored my disputes until I began escalating to regulatory agencies. The only reason I received a call from XXXX is because I've continuously submitted multiple complaints to the CFPB and FDIC, backed by irrefutable proof of : Overpayment on the account, False balances, Inconsistent responses, Misrepresentation of ownership, And willful violations of the FCRA and XXXX XXXX guidelines. 

XXXX initially marked my CFPB complaints as duplicates and ignored all of my certified letters entirely. Only after my FDIC and CFPB filings escalated directly to XXXX Bank in volume and substance did they attempt to respond not with corrective action, but with vague admissions and a phone call that only confirmed the account is no longer in their control. 

This entire pattern of refusal to investigate, conflicting statements, illegal updates to my TransUnion report, and deceptive communications proves this account is : - Unverifiable, - Inaccurately reported, - Legally unauthorized, - Financially damaging,- And must be deleted under FCRA 611 ( a ) ( 5 ), which requires deletion when an item can not be verified with accurate and complete data. 

I Have Provided Concrete Evidence Of : - FinWises XX/XX/XXXX and XX/XX/XXXX letters stating the account was charged off and placed with XXXX ; - Screenshots from TransUnion showing multiple closures and reopenings from XXXX XXXX ; - A XX/XX/XXXX phone call from XXXX confirming they do not own the account and it is with TrueAccord ; - XXXX years of disputes and credit damage caused by inaccurate and misleading reporting ; - No communication or collection efforts ever received from XXXX, proving the chain of ownership is also unverifiable. 

Final Request : I am requesting that TransUnion be ordered to delete this tradeline in its entirety due to : -Continuous violations of the FCRA XXXX -Documented failure to conduct a reasonable investigation, -Inaccurate and contradictory reporting by the furnisher, -And ongoing emotional and financial harm caused by the suppression of my XXXX XXXX for more than XXXX years. 

This account can not be corrected. It is, by law, unverifiable and must be permanently removed. 

Why This Account Is Unverifiable and Must Be Deleted Legal and Evidentiary Summary This is a supplemental filing to reinforce that the XXXX XXXX account reporting on my TransUnion credit XXXX is unverifiable, unlawful, and must be permanently deleted under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ) and XXXX XXXX XXXX. The evidence and contradictions across my original and supplemental complaints establish this conclusively. 

1. XXXX XXXX XXXX and XXXX - XXXX claims I made XXXX payments, but bank records confirm XXXX payments totaling {$3100.00}. 
- The original loan was {$1600.00}, with a scheduled repayment of {$2700.00}. 
- I overpaid by more than {$300.00}, yet TransUnion continues to report a charge-off balance of {$2500.00} a number that is mathematically and legally indefensible. 

2. Account Was Closed and Charged Off in XX/XX/XXXX - Multiple FinWise letters ( including XX/XX/XXXX and XX/XX/XXXX ) confirm the account was charged off and closed on XX/XX/XXXX. 
- XXXX XXXX reporting rules prohibit ongoing updates on a closed/charged-off account unless valid, new activity occurs, which it has not. A dispute does not constitute new activity. 

3. XXXX Collections Confirm Loss of XXXX XXXX - XXXX admitted the account was sent to XXXX different third-party debt XXXX after charge-off. 
- On XX/XX/XXXX, an XXXX representative confirmed on a recorded line that the account is now in collections again with XXXX and that the balance is still outstanding. This means neither XXXX nor XXXX has ownership or servicing rights and therefore no legal authority to furnish data or validate/verify to TransUnion. 

4. The Outstanding Balance Claim Conflicts With a Charge-Off - If the account is charged off, the balance was written off as a loss by the original creditor. 
- XXXX  calling me in XXXX to state the balance is outstanding after the account was charged off in XX/XX/XXXX, while also saying its in collections reflects clear confusion and contradiction, proving the account is unverifiable. 

5. TransUnion Repeatedly Reopened and Closed the Tradeline - Between XXXX and XX/XX/XXXX, TransUnion reopened and closed the tradeline XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- This re-aging activity updated the Date Reported field with each cycle, making the negative tradeline appear recent, in direct violation of : FCRA 1681i ( a ) ( 5 ) prohibits reinsertion of disputed information without proper verification XXXX XXXX bars ongoing updates on closed/charged-off accounts Each reopening and closure further suppressed my XXXX XXXX, causing measurable financial harm. 

6. XXXX Response Was Triggered Only After Regulatory Pressure- I have been disputing this account since XXXX. 
- XXXX CFPB complaints were ignored or marked duplicate. 
- Only after filing multiple, well-documented complaints to the FDIC and CFPB did XXXX receive any contact a phone call from XXXX corporate ( XX/XX/XXXX ), not a correction.This sudden outreach is a response to mounting regulatory scrutiny, not an attempt to rectify false reporting which is further evidence of intentional evasion and deceptive practices. 

Final Legal and Evidentiary Conclusion : Based on the overwhelming documentation presented including : Confirmed overpayment XXXX own letters showing charge-off and closure Recorded call admitting the account is with TrueAccord Absence of verification from TrueAccord or any collector Repeated re-aging and re-reporting by TransUnion Years XXXX financial and emotional harm this account is not just inaccurate, it is unverifiable, unauthorized, and must be permanently deleted under FCRA XXXX XXXX a ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief