Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Email : XXXX Phone : XXXX CFPB and TransUnion Complaint XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  This is a formal complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) and TransUnion regarding inaccurate, unverifiable, and conflicting information reported on my credit file for the XXXX XXXX  account listed below. Despite multiple disputes and requests for human verification, these inaccuracies persist in violation of the Fair Credit Reporting Act ( FCRA ). 
Creditor : XXXX XXXX  Account Number ( partially masked ) : XXXXXXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$2300.00} Status : Charge-Off Credit Bureau XXXX TransUnion Below XXXX XXXX identified FCRA violations and reporting inconsistencies. 
XXXX. Missing Date of First Delinquency ( DOFD ) Violation : FCRA 623 ( a ) ( 5 ) ( A ) The DOFD is not reported, making it impossible to verify the legal duration of negative reporting. 
XXXX. Account Updated After Charge-Off and Closure Violation : FCRA 607 ( b ) The account was updated on XX/XX/XXXX, nearly XXXX years after closure, implying continued delinquency activity. 
XXXX. Future-Dated Credit and Balance History Violation : FCRA 607 ( b ) Reported high balance and credit limit extending from XXXX are factually impossible since the account closed in XXXX. 
XXXX. Reporting Past Due After Charge-Off Violation : FCRA 607 ( b ) A charged-off account can not be simultaneously labeled as Past Due. This is contradictory and misleading. 
XXXX. Contradictory Payment Terms Violation : FCRA 607 ( b ) The term Paid Monthly can not apply to a charged-off, closed account. This is inaccurate reporting. 
XXXX. Improper Re-Aging via Incorrect Removal Date Violation : FCRA 623 ( a ) ( 5 ) ( A ), 611 ( a ) The listed removal date ( XX/XX/XXXX ) extends beyond the allowable seven-year reporting period, suggesting account re-aging. 
XXXX. Unlawful Reinsertion of Derogatory Data Violation : FCRA 611 ( a ) ( 5 ) ( B ) Post-closure updates from XXXX indicate reinserted data without required consumer notice. 
Total Violations Identified : XXXX Potential Damages : {$7000.00} ( {$1000.00} per violation under FCRA ) # # # Requested Resolution 1. Immediate human verification of all XXXX XXXX  data as required by FCRA 611 ( a ).

2. Deletion of all unverifiable or inaccurate data, including false past due and future-dated balances.

3. Correction of contradictory terms ( Paid Monthly ) and false Date Updated entries.

4. Adjustment of the estimated removal date to reflect the correct seven-year limit from the DOFD.

5. Cease automated e-Oscar reinvestigations and conduct manual human review.

6. Provide written certification detailing the source and evidence of each verified field.

7. Compensatory payment of {$7000.00} or equivalent goodwill credit adjustment for the seven identified violations. 
Respectfully submitted, XXXX XXXX Date : XX/XX/XXXX XXXX

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