Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for their handling of a {$270.00} charge-off account in my name ( XXXX XXXX ). This debt originated from a courtesy pay ( overdraft ) balance in XXXX, which was never repaid and subsequently charged off. The account has been closed since XXXX, yet XXXX XXXX XXXX continues to report this derogatory account on my credit reports as of XXXX. I have exhausted the standard dispute process with the credit bureaus, but the issue remains unresolved. 

Outdated Negative Account ( FCRA 7-Year Limit ) : This charge-off is nearly seven years old. Under the Fair Credit Reporting Act ( FCRA ), most negative information ( including charged-off accounts ) may only be reported for seven years from the date of first delinquency. This account dates back to XXXX and should be at or near the end of the allowed reporting period. Continuing to report a debt that is obsolete under FCRA guidelines is improper. By now, this derogatory item should be scheduled for removal from my credit reports. 
Repeated Disputes with No Resolution : I have disputed this account multiple times with all three major credit bureaus ( XXXX XXXX and TransUnion ) over the past few years. In each case, the dispute results came back with the account verified or unchanged, despite my providing information that the account is outdated and inaccurate. XXXX XXXX XXXX has failed to correct or remove the information after these disputes. The lack of resolution through the normal dispute process indicates that my concerns are not being properly addressed, leaving me with no choice but to seek CFPB intervention. 
Possible Illegal Re-Aging of the Account : I am deeply concerned that XXXX XXXX XXXX may be engaging in improper re-aging of this debt. Although the account was closed and charged off years ago, the credit reports show recent activity/updates on this account as if it were still current. Re-aging refers to illegally changing or misreporting the date of first delinquency to make an old debt appear newer than it is. This practice is strictly prohibited by the FCRA, as furnishers must report truthful information and can not extend the reporting period by altering dates. If XXXX XXXX XXXX is reporting this closed, charged-off account as though its active or recently delinquent, they are effectively keeping a nearly seven-year-old debt alive on my credit report in violation of federal law. Such behavior would represent a clear abuse of the credit reporting system and of my rights as a consumer. 
Ongoing Unjust Harm to My Credit : The continued reporting of this obsolete charge-off is causing significant and unfair harm to my credit profile. A charge-off is a serious derogatory mark, and its presence ( especially if its being updated to look recent ) has substantially lowered my credit score and hindered my ability to obtain credit, housing, and other financial services. I have made diligent efforts to address this issue for years. It is unjust that a stale debt from XXXX which should no longer even be affecting my credit is still punishing me in XXXX. This protracted damage to my financial reputation and well-being is unwarranted and unlawful if the reporting is indeed past the permissible period or being kept alive through illicit means.

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 explanation