Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
This complaint is being submitted because XXXXXXXX XXXX and multiple credit reporting agencies ( XXXX XXXX, and TransUnion ) continue to report inaccurate, misleading, and conflicting information regarding my XXXXXXXX XXXX account ending in XXXX. 

XXXX has failed to provide full validation of the debt and has altered or inconsistently reported key dates, which has caused the credit bureaus to display false information that violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


1. Inconsistent and Misleading Reporting XXXX XX/XX/XXXX letter to me ( attached ) states : Account entered delinquency on XX/XX/XXXX Account charged off XX/XX/XXXX However, my credit reports from XXXX XXXX XXXX show : Last payment date : XX/XX/XXXX / XX/XX/XXXX Charge-off date : Not consistent or misreported as current through XXXX This contradiction demonstrates that XXXX has changed and re-aged the reporting history multiple times between XXXX. 
Under FCRA 623 ( a ) ( 5 ), a furnisher may not alter the Date of First Delinquency to extend the period a negative item remains on a credit report. 


2. Ongoing Monthly Updates After Charge-Off XXXX own records show the debt was charged off XX/XX/XXXX, yet the bureaus continue updating the tradeline as if it were current through XXXX, reflecting new last updated dates in XXXX, XXXX, and XX/XX/XXXX. 

This practice is misleading, damages my credit standing, and violates : FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known to be inaccurate. 
FCRA 607 ( b ) : Requires credit bureaus to maintain maximum possible accuracy. 

The continued monthly updates after charge-off also mislead lenders into believing there is ongoing account activity. 


3. Failure to Provide Complete Proof of Debt XXXX response to my prior CFPB complaint ( Case # XXXX ) claimed that billing statements serve as the full transaction history. 
However, those statements ( attached ) do not contain any itemized transaction records only balances and interest summaries. 

Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), a debt collector must provide full validation including itemized charges, payments, and the full calculation of the balance owed before continuing any collection or furnishing activity. 

I am therefore requesting that XXXX produce : 1. Full, itemized transaction and payment records for the alleged balance of {$10000.00} ; 2. Proof of account ownership and the original signed or electronic application ; 3. The actual Date of First Delinquency used for reporting purposes. 

4. Violations of Federal Law FCRA 623 ( a ) ( 1 ) ( A ) Furnisher reported information it knows or should know is inaccurate. 
FCRA 623 ( a ) ( 5 ) Improperly changed or re-aged Date of First Delinquency. 
FCRA 607 ( b ) Credit bureaus failed to maintain maximum possible accuracy. 
FDCPA 809 ( b ) Failure to provide itemized validation of the alleged debt.

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