Consumer complaint received 2025-10-21 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:
Part XXXX TransUnion XXXX XXXX XXXX XXXX ) Subject : Failure to ensure maximum possible accuracy, continued publication of erroneous charge-off data, and violation of reinvestigation obligations under the FCRA. 
Complaint : TransUnion is inaccurately reporting an account from XXXX XXXXXXXX XXXX  ( Account ending XXXX ) with repeated C/O ( charge-off ) notations for over three years following the accounts reported closed date of XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), TransUnion has a statutory duty to ensure maximum possible accuracy. The continued monthly reporting of C/O ratings beyond the charge-off and closure date materially misrepresents the accounts status, artificially extends derogatory reporting, and violates industry data standards ( XXXX XXXX ). 
I previously disputed this account directly with TransUnion. On XX/XX/XXXX, TransUnion verified the account as accurate and claimed to have updated the Date Updated and Rating. ( File ID : XXXX ). Despite this, TransUnion continues to reflect new Charge-off activity and inflated High Balance and Credit Limit data inconsistent with the accounts closure date specifically reporting : High balance of {$560.00} from XX/XX/XXXX to XX/XX/XXXX Credit limit of {$300.00} from XX/XX/XXXX to XX/XX/XXXX These data points are chronologically impossible for a closed account. 
This demonstrates that TransUnions reinvestigation was superficial and noncompliant with 1681i ( a ), as it failed to correct patently inaccurate information and did not provide any reasonable basis for its verification. 

Part XXXX XXXX XXXXXXXX XXXX ( XXXX ) Subject : Furnishing inaccurate data after notice, failure to investigate under 1681s-2 ( b ), and failure to mark the account as disputed. 
Complaint : XXXX XXXXXXXX XXXX  continues furnishing inaccurate charge-off information to TransUnion concerning the same account ending in XXXX. Despite receiving multiple disputes, including : A prior CFPB complaint I filed against XXXX XXXXXXXX XXXX ( which the CFPB closed and referred to the Federal Reserve Board ), My subsequent dispute through TransUnion ( File ID XXXX ), First Premier has continued to verify inaccurate and outdated data without conducting a reasonable investigation or correcting the errors. 
The prior CFPB complaint proves that XXXX XXXX received formal federal notice of my dispute. Nonetheless, they have continued furnishing the same inaccurate information to the CRAs, in violation of : 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( failing to report an account as disputed after notice ), 15 U.S.C. 1681s-2 ( b ) ( failing to conduct a reasonable investigation and correct inaccuracies after receiving notice from a CRA ), 12 C.F.R. 1022.43 ( e ) ( 3 ) ( furnishers duty to complete investigation within required timelines ). 
The reporting of new Charge-off statuses well beyond the closed date of XX/XX/XXXX, along with incorrect High Balance and Credit Limit data for XXXX, demonstrates that the data furnished by XXXX XXXX XXXX is neither accurate nor consistent with XXXX XXXX compliance standards. 
Because First Premier was placed on notice through prior CFPB filings, TransUnion disputes, and federal referral to the Federal Reserve, their continued furnishing of inaccurate data constitutes willful noncompliance under 1681n of the FCRA.

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