Consumer complaint received 2025-02-16 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: MA

Complaint narrative:
I am formally disputing the following inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed information pertains to an account reported by XXXX XXXX XXXX and contains multiple errors that require immediate correction. 

Account Details in Dispute : Creditor : XXXX XXXX XXXX Account Number:XXXX Original Balance : {$34000.00} Charge-Off Amount : {$14000.00} Status : Charged Off Last Payment Date : XX/XX/XXXX High Balance : {$34000.00} Past Due Balance : {$14000.00} Disputed Items and Supporting Legal Basis 1. Re-Aging of Charge-Off Date ( Violation of FCRA 1681c ) The date updated is listed as XX/XX/XXXX, yet the charge-off occurred in XXXX. 
FCRA 1681c ( a ) ( 4 ) states that charge-offs must be removed after seven years from the date of first delinquency ( DOFD ). If the date has been unlawfully changed ( re-aged ), it extends the reporting period beyond what the law permits. 
Supporting Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court held that the credit bureau must accurately report the date of first delinquency. 
XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Courts have ruled against re-aging, finding it a willful violation of FCRA. 
2. Reporting a Past-Due Balance on a Charged-Off Account ( Violation of FCRA 1681s-2 ) FCRA 1681s-2 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate information. 
A charge-off means the lender has written off the debt. Keeping a past-due balance of {$14000.00} on a charged-off account is misleading. 
Supporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) The court ruled that reporting an outstanding balance on a charged-off account can be misleading and violate the FCRA. 
XXXX. Incorrect Balance Reporting ( Violation of FCRA 1681e ( b ) ) The high balance reported is {$34000.00}, yet the charge-off amount is {$14000.00}.

The FCRA mandates that credit bureaus follow reasonable procedures to assure maximum possible accuracy ( FCRA 1681e ( b ) ). 
Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Established that inaccuracies in reporting violate the FCRA and must be corrected. 
XXXX. Possible Duplicate Reporting If Debt Was Sold ( Violation of FCRA 1681b ) If XXXX XXXX XXXX has sold the account to a debt collector, they can not continue reporting it as a charge-off while a collection agency also reports the same account. 
Supporting XXXX XXXX : XXXXXXXX XXXX TransUnion, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Found that duplicate reporting of debts by both the original creditor and a collection agency can constitute an FCRA violation. 
5. Incorrect Estimated Date of Removal ( FCRA 1681c ( a ) ( 4 ) ) The removal date is set as XX/XX/XXXX, which is more than seven years from the date of first delinquency ( likely before XXXX ). 
The correct removal date should be XXXX or earlier, based on the DOFD + 7 years rule. 
Supporting XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Held that incorrect reporting of the removal date constitutes an FCRA violation. 
Requested Actions : Pursuant to 15 U.S.C. 1681i, I request : Immediate correction or deletion of all disputed inaccuracies. 
Recalculation of the accounts removal date to reflect the accurate seven-year period from DOFD.

Investigation documentation to verify Santanders reporting compliance. 
Written confirmation of the investigation results within the FCRA-mandated 30-day period.

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