Consumer complaint received 2025-06-18 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:
I am filing this complaint against TransUnion LLC and XXXX XXXX XXXX for XXXX XXXX, misleading, and legally noncompliant information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX credit reporting standards. 

XXXX XXXX XXXX is reporting a credit card account ( Account # XXXX ) as charged off while simultaneously showing a past due balance of {$1400.00}. This is a direct violation of XXXX XXXX XXXX XXXX, which prohibits reporting an account as charged off and past due at the same time. An account must either reflect a XXXX balance if charged off or be removed if forgiven. 

The account was closed on XX/XX/year>, and is listed as a profit and loss write-off, implying XXXX has XXXX collection rights. If this debt was forgiven, XXXX is required to issue a Form 1099-C to me and the IRS ; XXXX have not received such a form. This omission further confirms that the reporting is inaccurate and incomplete. 

I disputed this inaccurate reporting with TransUnion. However, TransUnion failed to mark the account as disputed or delete/correct the information, violating FCRA 1681i ( a ) ( 2 ) and 1681e ( b ). 

These inaccurate and misleading reports have caused harm to my creditworthiness, financial opportunities, and emotional well-being. 

Pursuant to XXXX XXXX. XXXX ( b ), TransUnion is required to ensure the maximum possible accuracy of credit information. Reporting a charged-off account with a past due balance violates this standard and constitutes inaccurate and misleading reporting. Under 15 U.S.C. 1681i, TransUnion must reinvestigate disputes and correct inaccuracies, which it has failed to do. The Metro 2 guidelines, the industry standard endorsed by the XXXX XXXX XXXX XXXX, prohibit simultaneously reporting a charge-off and a past due balance ( Inconsistency XXXX ), further confirming this violation. Additionally, XXXX XXXX has an obligation to issue a Form XXXX upon debt cancellation per IRS regulations XXXX which has not been provided. Continued reporting of this inaccurate data constitutes a violation of the Fair Credit Reporting Act and may also breach XXXX regulations enforced by the CFPB. 

On my credit report the Remarks field says XXXX and loss write-off and Charged off as bad debt, which implies the creditor abandoned collection rights. 

Simultaneously showing a balance due with this remark is contradictory and misleading, breaching Metro 2 guidelines and FCRA accuracy standards.

I am requesting : Immediate deletion of this XXXX XXXX account from my TransUnion credit report. 

A copy of any Form 1099-C issued or confirmation that none was issued. 

A full reinvestigation in compliance with FCRA and Metro 2 standards. 

Compensation for actual and statutory damages caused by these violations. 

If this complaint is not resolved promptly and fully, I will pursue all legal remedies available, including civil litigation for statutory damages, actual damages, punitive damages, and attorney fees.

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