Consumer complaint received 2025-05-06 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: MI

Complaint narrative:
This is a formal dispute and demand for deletion regarding the inaccurate, incomplete, and misleading reporting of the XXXX tradeline on my credit file. TransUnions investigation response dated XX/XX/XXXX, asserts that the account was transferred to XXXX XXXX XXXX. However, the reporting remains materially inconsistent and noncompliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

I am demanding immediate and permanent deletion of this tradeline based on the following documented violations : XXXX. Charge-Off Status with {$0.00} Balance and {$0.00} Past Due Inaccuracy : The account is reported as Charged off as bad debt but shows both a {$0.00} balance and {$0.00} past due. 
Why Its Incorrect : A charge-off implies a financial loss due to nonpayment. If no balance is owed, the account must reflect paid, settled, or transferred to avoid misleading the public record. 
Evidence : Screenshot of credit report as of XX/XX/XXXX, showing {$0.00} balance and charge-off status. 
Legal Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing incomplete or misleading information Metro 2 Format Status and balance must align Rebuttal : TransUnion can not report a charge-off if the balance is {$0.00} without including resolution details. Doing so misrepresents my credit status and violates the requirement for completeness and clarity under federal law. 

XXXX. Inconsistent Account Type Classification Inaccuracy : The credit report labels the account as Overdraft/Reserve Checking, while the investigation summary defines it as a Line of Credit. 
Why Its Incorrect : These are materially different account types. This misclassification alters credit utilization calculations and falsely impacts my risk profile. 
Evidence : Credit report screenshot showing XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) calling it a Line of Credit Legal Violations : FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate data furnishing XXXX XXXX XXXX of account type Rebuttal : TransUnion has XXXX contradictory account classifications. It can not defer to the furnisher while publishing internal and consumer-facing records that conflict. This failure reflects a lack of reasonable investigation and violates its statutory responsibilities. 

XXXX. Payment History Conflicts with Charge-Off Status and Investigation Summary Inaccuracy : The charge-off designation implies prolonged delinquency, yet payment records from XXXX through XX/XX/XXXX contradict that. 
Why Its Incorrect : A charge-off typically follows 120180 days of nonpayment. My account reflects regular payments, including a XXXX XXXX status in XX/XX/XXXX, immediately before the alleged charge-off. 
Evidence : Screenshots showing consistent monthly payments through XX/XX/XXXX OK status for XX/XX/XXXX No payment history or acknowledgment included in investigation summary Legal Violations : FCRA 611 ( a ) Failure to conduct a reasonable investigation FCRA 623 ( a ) ( 1 ) ( A ) Reporting unsupported derogatory status Metro 2 Derogatory tradelines require supporting history Rebuttal : TransUnions charge-off designation is not only factually unsupported but contradicts the payment history in its own reporting system. This proves the reinvestigation was either reckless or superficial. 

XXXX. Contradictory and Illegally Re-Aged Payment Dates Inaccuracy : My XXXX XXXX report listed the last payment as XX/XX/XXXX, while investigation reports changed this to XX/XX/XXXX, XXXX still report an OK status for XX/XX/XXXX. 
Why Its Incorrect : This contradiction suggests illegal re-aging and post-dispute manipulation. No notice of modification was provided, violating federal law. 
Evidence : Screenshots of XXXX XXXX credit reports showing changing dates Paid OK entry contradicting updated last payment date Legal Violations : FCRA 611 ( a ) ( 5 ) Failure to block known inaccurate data FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to notify consumer of dispute-related changes FCRA 605 ( c ) Prohibits re-aging of derogatory accounts Rebuttal : TransUnion altered the timeline of this account after my disputewithout proper noticeand without justification. The presence of an OK status after the supposed last payment undermines the charge-off and shows re-aging in bad faith. 

XXXX. Failure to Provide Chain of Title or Validate Legal Ownership Inaccuracy : XXXX investigation claims the account was transferred to XXXX XXXX XXXX, but no documentation has been provided to prove legal ownership. 
Why Its Incorrect : A transferred or sold account must be backed by a complete chain of title, including the name of each entity involved, assignment dates, and sale agreements. None of this has been disclosed. 
Evidence : Investigation summary naming Nationwide Lack of any validation or ownership documentation No contact or debt validation letter ever received Legal Violations : FCRA 609 ( a ) ( 1 ) Failure to disclose the source of data FDCPA 809 ( b ) Debt collectors must validate legal right to collect FCRA 623 Furnishing unverifiable or incomplete tradeline Rebuttal : Unless TransUnion can provide a dated, legally valid chain of title, the reporting of Nationwide as the transferee is unverified. An unverifiable tradeline can not legally remain on a consumers credit report. 

XXXX. Post-Dispute Modifications Made Without Consumer Notification Inaccuracy : After my initial dispute, TransUnion altered the last payment date and possibly other details without notifying me, as required. 
Why Its Incorrect : These post-dispute changes, especially when materially significant, must be disclosed under FCRA. 
Evidence : Timeline of report updates showing silent data shifts Lack of notice in your investigation results Legal Violation : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Requires notice of reinvestigation outcomes and any modifications Rebuttal : Modifying core data fields after a disputewithout documentation or noticeis a textbook FCRA violation. This raises further doubts about the legitimacy of the account and investigation. 

Legal Refutations to XXXX Excuses Excuse : The account was verified with the furnisher. 
Response : FCRA 611 requires TransUnion to conduct its own reasonable investigation. Furnisher statements do not override the CRAs duty to ensure accuracy and resolve inconsistencies.

Excuse : The data was updated to correct inaccuracies.

Response : Retroactive updates post-dispute, without explanation or consumer notification, violate FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and suggest unlawful re-aging or reinvestigation manipulation. 

Excuse : The charge-off is valid. 
Response : Then where is the XXXX XXXX? A {$0.00} balance with no past due, no payment history, and an OK rating in the same period proves that the charge-off claim is unsupported. 

Excuse : Account was transferred and data reflects industry practice. 
Response : No transferee is named on the report, and no legal transfer documentation has been provided. Without a valid chain of title, no new party may furnish data or pursue collection. 

Requested Resolution Given these compounded violations, I am formally demanding : XXXX. XXXX and permanent deletion of the XXXX tradeline from my TransUnion credit report XXXX. A full copy of the method of verification, including documents reviewed during the reinvestigation XXXX. A detailed log of all post-dispute modifications XXXX. Written assurance that no further updates or derogatory changes will be made to this account without legal validation XXXX. Confirmation that no furnisher or transferee will be permitted to report or collect without producing a complete and dated chain of title

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