Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint against TransUnion for the continued furnishing and reporting of materially inaccurate and misleading credit information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i ( a ), despite my prior dispute of the information and notice of its inaccuracy. 

The account at issue is reported as follows : XXXX XXXX XXXX Account No : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$32000.00} Past Due : {$32000.00} Pay Status : >Charge-off< Date Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Remarks : Completed investigation of FCRA dispute consumer disagreed ; UNPAID BALANCE CHARGED OFF. 
Date Updated : XX/XX/XXXX Monthly Payment : {$0.00} Terms : {$0.00} per month, paid monthly for 72 months Despite XXXX XXXX XXXX acknowledging in a CFPB response dated XX/XX/XXXX ( Complaint No. XXXX ) that this account was charged off and the last payment was made. TransUnion continues to report : A balance of {$32000.00} and past due amount of {$32000.00}, The pay status as Charge-off but also reflects $ 0 monthly terms, A closed date of XX/XX/XXXX, which is over three years after the charge-off, No updated payment history showing when the account became delinquent, defaulted, or charged off, A misleading {$0.00} payment amount despite it being an installment loan for 72 months, And contradictory remarks that fail to accurately reflect the final status of the account. 

This reporting fails to comply with Metro 2 Credit Reporting Standards, which require that once an account is charged off, it must be reported as closed, the monthly payment field zeroed, and the payment history frozen at the time of charge-off. Continued monthly updates to a charged-off account and misrepresented account terms constitute materially misleading reporting and violate the FCRA. I have already disputed this account with TransUnion
, and TransUnions response was dismissive, asserting the accuracy of the account without correcting these inconsistencies. The account remains inaccurately reported and incomplete.

Supporting Law and Case Precedent : Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to assure maximum possible accuracy.

Under 15 U.S.C. 1681i ( a ), once a dispute is made, TransUnion is obligated to conduct a reasonable reinvestigation and promptly delete or correct inaccurate or incomplete data. 
XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : A consumer reporting agency that fails to reasonably investigate disputed information XXXX be held liable under the FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) : XXXX must be not only technically accurate but must not be misleading. 

Additionally, I received an adverse action letter from XXXX XXXX Lending dated XX/XX/XXXX, citing TransUnion and Experian as the basis for the denial. This letter is clear evidence of tangible harm caused by the materially inaccurate and misleading reporting of this account.

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