Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX is inaccurately reporting an auto loan as a charge-off/profit & loss write-off with a balance of about {$9800.00} {$9900.00}. 

This is being reported as : Experian : Charge-off, written off, past due balance TransUnion : Profit & loss write-off, derogatory, charge-off This is inaccurate, misleading, and incomplete : I voluntarily returned the vehicle to XXXX. This was not an abandonment or repossession in default. Reporting it as a charge-off misrepresents the situation. 

The balance is unverified. XXXX has never provided a lawful accounting or proof of how the alleged balance was calculated after the vehicle was returned. 

The FCRA ( 15 U.S.C. 1681s-2 and 1681i ) requires information to be accurate, complete, and verifiable if furnished. Reporting a voluntary surrender as a charge-off with conflicting balances is none of those.

There is no law requiring a lender to report to consumer reporting agencies. If they choose to report, it must be accurate.

Requested Resolution : I am requesting that this account be removed from my Experian and TransUnion reports, or corrected to reflect voluntary surrender with no balance due, unless XXXX can provide full documentation and lawful authority. I am formally disputing the reporting of the XXXX account listed on my Experian credit report. The account is being reported as a charge-off with a balance of {$9800.00} and status account charged off/written off. This reporting is inaccurate, incomplete, and misleading for the following reasons : Voluntary Surrender of Vehicle I returned the financed vehicle to XXXX in good faith. This was a voluntary surrender, not an abandonment, and therefore should not be reported as a charge-off in the same manner as accounts where the consumer defaulted without cooperation. 

Failure to XXXX XXXX XXXX I hereby demand that XXXX and Experian identify the exact federal law requiring them to report this information to consumer reporting agencies. The Fair Credit Reporting Act ( FCRA ) grants furnishers permission to report, but there is no law that mandates reporting, nor does it allow reporting that is incomplete, misleading, or unverifiable. 

Unverifiable Debt Balance The balance being reported ( {$9800.00} ) is inconsistent and unverified. If XXXX alleges that this amount is due, I demand full accounting, including a detailed itemization of how the alleged balance was calculated after the vehicle was returned. 

Therefore, under my rights provided by the FCRA, XXXX XXXX. XXXX, I request that Experian : Delete this account from my credit file if XXXX can not provide proper documentation verifying the accuracy and completeness of this reporting ; OR Correct the reporting to reflect a voluntary surrender, with no balance due, if XXXX can not substantiate the claimed amount. 

If this information can not be verified within the 30-day period required by law, it must be deleted immediately.

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