Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I submit this complaint as a formal statement of fact and law regarding XXXX XXXX XXXX XXXX  ( XXXX XXXX ) and its continued furnishing of inaccurate, misleading, and non-compliant credit data in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the XXXX XXXX XXXX XXXX XXXX XXXX. 

Consumer : XXXX XXXX XXXX Furnisher : XXXX XXXX XXXX XXXX Account Type : Auto Loan / Installment Status Reported : Collection / Charge-Off Alleged Balance : {$11000.00} I. MATERIAL XXXX XXXX INCONSISTENCIES ACROSS CREDIT BUREAUS Based on my official consumer disclosures ( screenshots attached ), XXXXl XXXX is furnishing conflicting and irreconcilable data to TransUnion, XXXX, and XXXX, including but not limited to : 1. High Credit Discrepancies TransUnion / XXXX : {$20000.00} XXXX XXXX {$12000.00} This violates XXXX XXXX requirements that High Credit/Original Loan Amount be reported consistently and accurately across all consumer reporting agencies. 
2. Term Length Inconsistency TransUnion / XXXX  : 74 months XXXX : 0 months A 0XXXXmonth installment term is facially inaccurate and non-compliant with XXXX XXXX XXXX XXXX ( Terms Duration ). 
3. Date and Activity Conflicts Different Last Reported dates across bureaus Different Date Last Active values These conflicts indicate that XXXX XXXXXXXX is not maintaining reasonable procedures to assure maximum possible accuracy, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ). 



II. IMPROPER DISPUTE CODING & FALSE CERTIFICATIONS The account contains comments stating : Account was in dispute now resolved reported by subscriber Dispute resolved; reported by grantor However : I did not agree to any resolution No written validation, correction notice, or investigative findings were provided The account continues to report as a charge-off with a balance due This constitutes false dispute certification under XXXX XXXX and violates : 15 U.S.C. 1681s-2 ( b ) ( duties after notice of dispute ) XXXX XXXX dispute result reporting standards requiring accuracy, documentation, and outcome consistency XXXX. CHARGE-OFF REPORTING ERRORS XXXX  XXXX reports : Charged off as bad debt Merchandise was taken back by credit grantor Unpaid balance reported as a loss Yet simultaneously reports : Ongoing balances Monthly payment of {$0.00} Past due equal to full balance This is internally contradictory and misleading, in violation of : XXXX XXXX Account Status Codes 15 U.S.C. 1681e ( b ) ( reasonable procedures ) 15 U.S.C. 1681c ( a ) ( accurate adverse item reporting ) IV. CFPB RELIEF REQUESTED ( FAIR SOLUTION ) Given the volume of material inaccuracies and XXXX XXXX non-compliance, the only fair and lawful resolution is : 1. Immediate deletion of the XXXX XXXX XXXX account from TransUnion, XXXX, and XXXX  OR, in the alternative, 2. Full XXXX XXXXcompliant correction of all fields, including : High Credit Terms Dates Dispute history Account status with written certification provided to both the CFPB and myself If XXXX  XXXX can not produce documentary evidence supporting the accuracy of every XXXX XXXX data field, continued reporting is unlawful and must cease. 



V. NOTICE OF INTENT Failure to correct or delete this account after CFPB intervention will leave me no choice but to pursue all available remedies under federal law, including civil action for willful and negligent non-compliance. 

I certify under penalty of perjury that the information stated herein is true and correct to the best of my knowledge. 

Respectfully submitted, XXXX 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