Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After reviewing my credit report, I found several accounts that are being reported inaccurately and need to be investigated. The accounts below are all showing repeated updates and charge-offs after being closed, which is not accurate. Once an account is charged off, sold, or closed, it should not continue to show monthly updates or ongoing payment activity. This false reporting makes my credit history appear worse than it truly is and is misleading. 

1. XXXX XXXX XXXX Account # XXXX This account was charged off in XX/XX/XXXX, yet it continues to update every month as if it is being charged off again. A charge-off is a one-time event, not a recurring action. Reporting it monthly gives the false impression of ongoing late activity, which is inaccurate and should be deleted. 

2. XXXX XXXX XXXX Account # XXXX This account was charged off in XX/XX/XXXX but is still being updated month after month as charged off again. That is not correct. Once charged off, the account should no longer carry an active payment history or monthly updates. This is inaccurate and should be deleted from my report. 


3. XXXX XXXX XXXX  XXXX Account # XXXX This account was charged off in XX/XX/XXXX, yet your system continues to show monthly charge-off updates through XX/XX/XXXX. That is incorrect. There should not be repeated charge-offs after closure. Please delete this account since it is being reported inaccurately. 


4. XXXX XXXX Account # XXXX This account was sold to another lender and reported as paid in full after charge-off. However, it is still showing as a charge-off on the current report and also listed under XXXX XXXX as a new collection for the same debt. That creates duplicate and conflicting reporting. Please remove the duplicate entries and delete this account from my file. 


5. XXXX XXXX Account # XXXX This account was placed in collection status in XX/XX/XXXX, but the report continues to show it being updated monthly as if its still active in collection. That is inaccurate because once an account is closed and placed for collection, it should not reflect ongoing payment activity. Please delete this account from my report for incorrect reporting. 


6. XXXX XXXX XXXX Accounts # XXXX, # XXXX, and # XXXX These are all collection accounts tied to debts that appear to have been previously charged off or sold. Each is updating monthly as active, even though collection accounts should not continuously report new payment activity once placed for collection. The multiple LVNV listings are also duplicates of existing accounts ( e.g., XXXX XXXX XXXX XXXX Please remove these duplicates and delete all XXXX XXXX entries from my report. 

These inaccuracies make my credit profile appear more negative than it really is. Each of the accounts above should be deleted in full because they are being reported incorrectly and do not reflect accurate or verified information. 

Thank you for your time and attention. Please complete your investigation and send me an updated report once the deletions have been processed.

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