Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This complaint addresses ongoing issues with inaccurate and misleading reporting on my TransUnion credit report, in violation of consumer protection laws, specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). Despite multiple disputes, the following accounts remain inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This account reflects a charge-off status with an unpaid balance of {$980.00}, which exceeds the original credit limit of {$700.00}. 
TransUnion continues to report this inflated balance inaccurately, failing to reflect the accounts true closure date and resolution details. 
Additionally, any canceled debt from this account that led to a XXXX form issuance has not been appropriately marked as canceled or settled on my credit report. Reporting an account as both charged-off and outstanding after a XXXX is issued violates federal laws regarding accurate debt reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) : The payment history contains inaccuracies for XXXX, showing periods of delinquency ( 3060 days past due ) even though the account was paid and closed as of XX/XX/XXXX. 
The reinvestigation completed in XX/XX/XXXX did not resolve the discrepancies, violating 15 U.S.C. 1681i ( a ), which mandates a thorough reinvestigation. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : TransUnion reports this account as charged off with {$220.00} past due as of XX/XX/XXXX. However, payments made on this account, such as {$370.00} recorded in XX/XX/XXXX, are not accurately reflected. 
If a XXXX has been issued for this debt, reporting the debt as outstanding contradicts the legal implications of debt cancellation, which requires such debts to be reported as {$0.00} with no further collection activity. 

Consumer Harm : These inaccuracies have significantly impacted my creditworthiness, leading to higher interest rates, denial of credit opportunities, and emotional distress. Despite submitting disputes, TransUnions investigation process fails to correct these errors, indicating noncompliance with FCRA standards. 

The misreporting of canceled debts, such as those involving a XXXX, misrepresents my financial obligations and may further result in tax implications and unjust denials of credit.

Legal Basis : TransUnion has violated the following provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in consumer reports.

2. 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information. 
XXXX. Failure to accurately report debts canceled under a XXXX, which the IRS considers settled, conflicts with federal standards for reporting such debts.

Resolution Requested : 1. Immediate removal or correction of the inaccurate information on the above accounts. 
XXXX. Proper reporting of accounts with canceled debts ( XXXX ) as {$0.00} balance and closed with no further collection activity. 
XXXX. Confirmation of compliance with FCRA requirements to prevent future reporting errors. 
XXXX. Compensation for the adverse effects caused by these inaccuracies, including emotional distress and financial harm.

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