Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX  XXXX ] [ XX/XX/XXXX ] TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXX * * RE : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to formally dispute the reporting of the above-referenced account on my TransUnion credit report. After reviewing my report and the results of your recent investigation ( File Number : XXXX ), I have identified inaccurate and misleading information that violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Here are the specific issues : 1 Re-aging of charge-off date The charge-off on this account occurred in XXXX, but the reporting shows a Date Updated of XX/XX/XXXX. This improperly makes the derogatory account appear more recent than it is, which is misleading and harmful to my credit standing. 
FCRA 605 ( c ) prohibits re-aging to extend the reporting period of negative accounts. 

XXXX Balance reporting post charge-off The account is reported as Charged Off and Closed by XXXX XXXX, yet you continue to report a balance of {$1500.00} and update the date as if the balance is actively delinquent. A charged-off, closed account should not report as if its an open, revolving obligation. 

XXXX Inconsistent delinquency timeline Your report lists maximum delinquency of XXXX days in XX/XX/XXXX, although the account was closed XX/XX/XXXX. This is inconsistent and inaccurate. 

XXXX Estimated removal date You list an estimated removal date of XX/XX/XXXX. Based on the date of first delinquency, the account should be scheduled to fall off no later than XXXX years from that date. Please provide the date of first delinquency you are using to calculate this. 

My Request Delete this inaccurate account entirely from my credit file, or at minimum : Correct the date of first delinquency and ensure the removal date complies with FCRA. 
Remove the improper re-aging of this account. 
Stop reporting any ongoing balance or updated dates on this closed, charged-off account. 
Additional Request under 15 USC 1681i I am requesting a full reinvestigation as provided under 15 U.S.C. 1681i, including : A clear description of the procedures used in your reinvestigation. 
The name, address, and phone number of each furnisher of information contacted. 
A copy of any documentation or communication provided by the furnisher that you relied on to verify this account. 
A detailed explanation of the method used in your reinvestigation, including whether you use any third-party vendors, contractors, or automated systems to store or verify records for this account. 
Please complete your reinvestigation within XXXX  days as required by law and provide me with a written response. 
I have attached ur response from my USC 1681 I dispute, you are not following the law, it states you have to investigate and send me in writing how u verified this account, What u send does not explain what method you took to verify. So am DEMANDING you delete this account from my report Sincerely, XXXX 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