Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for reporting three accounts with inaccurate information that violates the Fair Credit Reporting Act. All three accounts were discharged in my XXXX  XXXX bankruptcy on XX/XX/XXXX, and each is being reported in ways that are false, misleading, and violate federal law. 

ACCOUNT 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting a {$330.00} balance on an account that was fully discharged in my XX/XX/XXXX bankruptcy. Federal law requires discharged bankruptcy debts to show a XXXX balance. XXXX  XXXX is also reporting the pay status as " Current ; Paid or Paying as Agreed, '' which is completely false. I am not making payments on this accountit was legally eliminated through bankruptcy discharge nearly four years ago. 

This creates a false impression that I owe {$330.00} and am currently making payments on an active debt, which is a serious misrepresentation of my credit profile. 

Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Updated : XX/XX/XXXX Balance Reported : {$330.00} ( should be {$0.00} ) Pay Status : " Current ; Paid or Paying as Agreed '' ( should be " Discharged in Bankruptcy '' ) ACCOUNT 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting continuous monthly payment rating updates on this discharged account, with the most recent update dated XX/XX/XXXXXXXX XXXXnearly four years after my XX/XX/XXXX discharge. Discharged bankruptcy accounts should be reported as static entries with a XXXX balance and bankruptcy notation only. There should be no ongoing monthly payment rating codes or updates years after discharge. 

The XX/XX/XXXX update suggests this is an active account with ongoing payment activity, which is false and misleading. 

Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Updated : XX/XX/XXXX ( nearly 4 years post-discharge ) Payment Ratings : Continuous XXXX XXXX XXXX codes through XX/XX/XXXX ACCOUNT 3 : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is reporting continuous monthly bankruptcy indicator codes on this discharged account extending from closure through months after discharge. Similar to XXXX, this account should be reported as a static entry with no ongoing monthly payment activity codes. 

Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Last Updated : XX/XX/XXXX Payment Ratings : Continuous XXXX XXXX XXXX' codes through XX/XX/XXXX WHY THIS VIOLATES FEDERAL LAW : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. TransUnion is failing to do this by : Allowing XXXX XXXX to report a non-XXXX  balance on a fully discharged debt Allowing XXXX  XXXX to report false " Current '' payment status on a discharged debt Allowing XXXX  to continue monthly payment rating updates nearly four years after discharge Allowing all three furnishers to report information that violates the bankruptcy discharge injunction issued by the XXXX Bankruptcy XXXX under 11 U.S.C. 524 Under 15 U.S.C. 1681i ( a ), when a consumer disputes information, the credit bureau must conduct a reasonable investigation and remove inaccurate information. Given my bankruptcy discharge order dated XX/XX/XXXX, and the passage of nearly four years, there is no basis for reporting ongoing payment activity or non-zero balances. 

All three furnishers, XXXX  XXXX, XXXX XXXX, and XXXX, have documented histories of FCRA violations and regulatory enforcement actions by the Consumer Financial Protection Bureau and other agencies. TransUnion has failed to implement reasonable procedures to prevent these known violators from continuing to report inaccurate information on discharged bankruptcy accounts.

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