Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to maintain accurate and complete credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( duty to assure maximum possible accuracy ) and 1681i ( duty to conduct a reasonable reinvestigation ). 

My TransUnion file contains multiple tradelines that are inconsistent, incomplete, and misleading when compared to the information reported to other bureaus and to the logical rules set out in the Metro 2 Credit Reporting Resource Guide for reporting charge-offs, sold accounts, and collections. Below are the specific accounts and errors with TransUnions reporting : XXXX. XXXX TransUnion acct XXXX XXXX XXXX XXXX XXXX XXXX TransUnion shows this account with a {$0.00} balance and {$0.00} past due but still codes the payment status as Collection/Chargeoff and comments Charged off as bad debt/ Purchased by another lender. 
If the account was purchased by another lender and has a {$0.00} balance with the original creditor, Metro 2 guidelines require it to be reported as transferred/sold with no remaining obligation to that creditor, not as an active collection/charge-off tradeline. 
This combination of codes is internally inconsistent and misleading, suggesting I still owe a charged-off debt to this creditor when the balance is reported as {$0.00}. This violates FCRA 1681e ( b ) because TransUnion is not assuring maximum possible accuracy. 
XXXX. XXXX TransUnion acct XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion reports this as a charge-off/collection with a large balance and past-due amount, and continues to update the tradeline in XXXX even though the account was charged off long ago. 
The dates of last activity and last payment on TransUnion differ from the dates being reported to the other bureaus for the same account. Inconsistent dates affect the calculation of the Date of First Delinquency and the purge date, raising concerns about potential re-aging of this debt. 
Under FCRA 1681e ( b ) and Metro 2, the DOFD-related dates must be accurate and consistent. TransUnion has not demonstrated that its version of the dates is correct and continues to report a severely derogatory tradeline based on questionable date information. 
XXXX. XXXX  XXXX TransUnion acct ending XXXXXXXX XXXX XXXX XXXX XXXX TransUnion reports this as a charge-off with a high balance and past due amount, and comments Charged off as bad debt/ Dispute resolved ; reported by grantor. 
XXXX dates ( opened, last active, last payment ) do not match the dates reported for the same account to the other bureaus. This inconsistency directly impacts how long the account can be reported under FCRA 1681c ( a ) ( 4 ) - ( 5 ) and again raises concerns about improper re-aging. 
TransUnion is also still coding this account as a current charge-off even though it is an old closed account and was previously in dispute. Continued derogatory coding after a dispute should be supported by accurate, verified data, which TransUnion has not provided. 
XXXX. XXXX TransUnion acct ending XXXX XXXX XXXX XXXX XXXX  TransUnion reports this as a charge-off/collection with a large balance and profit and loss write-off language, and continues to update the tradeline in XXXX. 
The opened date, last active date, and last payment date reported by TransUnion differ from the dates reported by the other bureaus for the same account. That means at least XXXX set of dates is wrong and TransUnion is not providing maximum possible accuracy. 
Metro 2 requires consistent DOFD-related dates so that all bureaus purge the account at the same XXXX mark. TransUnions conflicting dates put me at risk of this account staying on my TransUnion report longer than allowed. 
XXXX. XXXX TransUnion acct ending XXXXXXXX XXXX XXXX XXXX XXXX Similar to the above XXXX account XXXX TransUnion reports this as an ongoing charge-off with a large balance and profit and loss write-off wording. 
The credit limit, high credit, and date fields on TransUnion do not match the information appearing with the other bureaus, which directly affects my utilization ratios and the length and severity of derogatory reporting. 
Reporting materially different limits and dates from other bureaus for the exact same account is inaccurate and misleading under FCRA 1681e ( b ). 
XXXX. XXXX ( Original Creditor : XXXX XXXX ) TransUnion acct ending XXXXXXXX XXXX XXXX XXXX XXXX TransUnion reports this as a collection/charge-off that was opened in XXXX and updated again in XXXX. 
There is no clear explanation in XXXX comments as to the Date of First Delinquency or when the underlying utility account actually went delinquent ; the date fields are incomplete and inconsistent with the other bureaus. 
Metro 2 requires that third-party collections include accurate DOFD data from the original creditor so the account is not re-aged. By failing to clearly and consistently report those dates, TransUnion is not complying with the accuracy standard of XXXX ( b ). 
XXXX. XXXX  XXXX XXXX TransUnion acct ending XXXX XXXX XXXX XXXX XXXX  TransUnion reports this as a charge-off with a large balance and comments Charged off as bad debt / Account closed by consumer, while other bureaus use slightly different comments and limits. 
The high credit and credit limit that TransUnion shows do not match what is shown with the other bureaus. This changes my overall utilization percentage and makes the tradeline look riskier on TransUnion than on the other reports. 
Under FCRA 1681e ( b ), TransUnion must assure the maximum possible accuracy of all information, including limits and high-credit fields, not just status codes. 
XXXX. XXXX TransUnion acct ending XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion reports this as a charge-off with a high balance and states Charged off as bad debt/ Dispute resolved ; reported by grantor. 
Again, the dates and limit information differ from the other bureaus for the same account, and TransUnion continues coding every month as a severe derogatory even though the account has been closed and in charge-off status for years. 
This pattern of inconsistent dates and continuing negative updates after a dispute is not consistent with FCRA 1681is requirement for a reasonable reinvestigation or with Metro 2s guidance on how closed charge-offs should be reported. 
XXXX. XXXX XXXX TransUnion acct ending XXXXXXXX XXXX XXXX XXXX XXXX TransUnion reports this as a charge-off with a very high balance and credit limit, and continues updating it in XXXX. 
The comments and limits TransUnion uses are not aligned with the other bureaus, resulting in TransUnion overstating my utilization and risk compared to XXXX  and XXXX. 
This is another example of TransUnion failing to maintain a credit file that is consistent and accurate across bureaus, contrary to 1681e ( b ). 
XXXX. XXXX TransUnion acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion reports this as a charge-off/collection with a balance and past-due amount, profit and loss write-off language, and updated reporting in XXXX. 
The credit limit and high credit shown by TransUnion differ from what is shown on the other reports, and the continuing derogatory coding each month is excessive and punitive for a closed account. 
Inaccurate limit/high-credit fields and inconsistent date information violate the FCRAs accuracy requirement and Metro 2s expectations for uniform reporting. 

XXXX. XXXX TransUnion acct ending XXXXXXXX XXXX XXXX XXXX XXXX TransUnion is reporting this tradeline as Collection/Chargeoff with a balance of {$1800.00} and comments stating Charged off as bad debt / Profit and loss write-off. 
This accounts high credit and limit data are completely inconsistent compared to XXXX  and XXXX. TransUnion lists a {$4100.00} high credit and {$2100.00} limit, while other bureaus report lower figures. This directly affects utilization scoring and overall risk profile. 
Furthermore, TransUnion is continuing to update the tradeline in XXXX with current reporting activity despite the account being charged off long ago and no new activity taking place since early XXXX. Continuing to report new update timestamps on dormant charge-offs is misleading and violates the accuracy requirement under FCRA 1681e ( b ) and Metro 2 Section 2.4.2 ( which requires charge-off accounts to be coded as closed, not open/active derogatory ). 
The dates of last payment and last active date do not align with the same data reported by XXXX  and XXXX, again raising re-aging concerns under FCRA XXXX ( a ) ( XXXX ). XXXX version of this tradeline misrepresents both timing and severity of the delinquency and must be corrected or deleted. 

XXXX. XXXX ( Mortgage ) TransUnion acct ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion is reporting this open mortgage as having XXXX late payments during recent months ( as shown in the payment grid ), while both XXXX  and XXXX  show consistent OK payment history XXXX 
The consumer has made all payments on time ; this is a false late-payment history being reported only by TransUnion, materially lowering the credit score and suggesting a payment delinquency that never occurred. 
Under FCRA 1681e ( b ), TransUnion must assure maximum possible accuracy, and under 1681i, must perform a reasonable reinvestigation when notified of an inaccuracy. False XXXX lates on an active mortgage are among the most damaging and clearly inaccurate items. 
Additionally, Metro 2 Format guidelines require that accurate payment history be reflected identically across all CRAs. TransUnions deviation indicates a data-furnisher mismatch or internal error and violates the Metro 2 Standard for Account Status and Payment History Profile ( Field XXXX  and XXXX  ). 
This account must be corrected to show all on-time payments for the reported months and the XXXX indicators permanently removed. Continuing to display false derogatories on an active mortgage constitutes negligent noncompliance with FCRA 1681n/o. 

Taken together, these tradelines show a pattern : TransUnion is failing to ( XXXX ) use consistent dates and limits, ( XXXX ) correctly code sold/charged-off accounts, and ( XXXX ) ensure that information matches what the data furnishers are providing and what the other bureaus are reporting. This is causing my TransUnion score to be unfairly lower than it should be and is harming my ability to obtain credit and housing. 

I am requesting XXXX assistance because TransUnion has not corrected these issues despite my disputes and continues to report misleading, internally inconsistent information.

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