Consumer complaint received 2025-07-18 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: WA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX ( XXXX XXXX ) To Whom It May Concern, I'm writing to dispute the accuracy of an account on my credit report from XXXX XXXX XXXX ( for XXXX XXXX ). After reviewing my credit reports, I've noticed multiple issues with how this account is being reported across the bureaus, and I believe these problems violate the Fair Credit Reporting Act ( FCRA ). 

Here are the specific concerns : 1. False Date of Last Activity Likely Re-Aging The account is showing a Date of Last Activity as XX/XX/XXXX, even though the account opened in XX/XX/XXXX, and I havent had any activity or made any payments since then. 
That date doesnt make sense and it appears the account is being re-aged, which could cause it to stay on my report longer than the 7-year limit.

This goes against FCRA 1681c ( a ) ( 4 ), which says negative accounts cant be reported more than seven years after the actual first delinquency.

2. Inconsistent Reporting Across Bureaus The account is reported differently depending on the bureau : One bureau lists it as a Collection Account, another calls it an Open Account The payment statuses vary one says Unpaid, another says Seriously past due, and one doesnt show anything at all Dates like last payment or date last active are missing or dont match These inconsistencies are concerning and dont reflect accurate or reliable reporting.

Under FCRA 1681e ( b ), credit bureaus are required to use reasonable procedures to make sure that what they report is complete and accurate. This doesnt meet that standard.

3. Missing or Incomplete Account Information In some reports, critical fields like last payment date, account status, or payment history are blank or not provided.

If the data cant be reported in full, then it shouldnt be on my file at all.

This may violate FCRA 1681i ( a ), which protects consumers from having incomplete or unverifiable information on their reports.

4. Failure to Correct or Remove Errors After Dispute ( if applicable ) If this information has been previously disputed or once this letter is received the data furnisher and the credit bureau are required to do a proper investigation and correct or delete anything they cant verify.

This is required under FCRA 1681s-2 ( b ). If no supporting records can confirm the accuracy of this tradeline, it should be removed.

What Im Requesting : Im asking that you : Open a full investigation into this account Provide written verification of the information ( such as the original delinquency date, proof of payment activity, or a detailed account history ) Delete or correct the tradeline if it cant be fully verified Send me a letter confirming the results of your investigation and an updated copy of my credit report 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