Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
Consumer Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and FCRA Violations by XXXX, XXXX, and XXXX XXXX Complaint Details : I am filing this complaint due to ongoing issues with inaccurate and improperly reported credit information on my TransUnion credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). The accounts in question are associated with the following creditors : XXXX, XXXX, and XXXX XXXX. These accounts have been reported with derogatory statuses ( e.g., Collection/Chargeoff ), and I have identified multiple potential violations that have negatively impacted my credit standing. Description of the Issue The following problems have been observed with the reporting of these accounts : XXXX Account : Account Type : Installment, Unsecured Loan Reported Issues : The " High Credit '' is reported as significantly lower than the current '' Balance '' and " Past Due '' amounts, indicating a potential error inreporting. 
The " Date Last Active '' and " Last Reported '' dates are listed as a futuredate ( XX/XX/year> ), which is illogical and suggests inaccuratereporting. 

Concern : These inconsistencies violate FCRA requirements for accuracy ( 15U.S.C. 1681e ( b ) ), and the creditor may have failed to investigate or correcterrors after being notified ( 15 U.S.C. 1681s-2 ( b ) ). 
XXXX Account : Account Type : Revolving, Credit Card Reported Issues : The " High Credit '' and " Balance '' exceed the reported " Credit Limit XXXX XXXX and the " No. of Months ( terms ) '' is listed as XXXX, which is inconsistentwith the account 's history. 
The " Last Reported '' date is a future date ( XX/XX/year> ), indicating apotential reporting error. 

Concern : These inaccuracies violate FCRA accuracy requirements ( 15 U.S.C.1681e ( b ) ), and the creditor may have failed to address these issues afternotification ( 15 U.S.C . 1681s-2 ( b ) ). 
XXXX XXXX Account : Account Type : Revolving, Credit Card Reported Issues : The " High Credit '' and " Balance '' exceed the " Credit Limit, '' and the '' No. of Months ( terms ) '' is listed as XXXX, which is inconsistent with theaccount 's history. 
The " Last Reported '' date is a future date ( XX/XX/year> ), indicating apotential reporting error. 
A comment indicates a " Dispute resolved ; reported by grantor, '' yet thederogatory status and balance remain unchanged. 
Concern : These inaccuracies violate FCRA accuracy requirements ( 15 U.S.C.1681e ( b ) ), and the creditor may have failed to properly reflect the resolutionof a dispute ( 15 U.S.C . 1681s-2 ( b ) ).

Impact These reporting errors have likely caused significant harm to my credit score, limiting my ability to obtain credit, secure favorable interest rates, or pursue financial opportunities. The future-dated reporting and unresolved discrepancies suggest a lack of reasonable procedures by the creditors and TransUnion to ensure accurate credit reporting, as required under the FCRA.

Actions Taken I have reviewed my TransUnion credit report and identified these issues. I have attempted to address them by [ insert any actions taken, e.g., " contacting the creditors directly '' or " filing disputes with TransUnion, '' if applicable ], but the inaccuracies persist. I am now seeking assistance from the CFPB to resolve these matters. 
Requested Resolution I request the following actions from the CFPB : 1.An investigation into the reporting practices of XXXX, XXXX, and XXXX XXXX, as well as TransUnion, to determine if they have violated the FCRA. 
2.Deletion of the inaccurate information related to these accounts from my credit report.

3.Notification to any entities that have accessed my credit report of the correctedinformation.

4.Any additional relief deemed appropriate to remedy the harm caused by these violations. 
Supporting Documentation I am prepared to provide supporting documentation, including a copy of my TransUnion credit report highlighting the disputed accounts and any relevant correspondence with the creditors or TransUnion, upon request. 
Contact Information I will provide my contact details through the CFPB 's submission process to facilitate communication regarding this complaint. 
Thank you for your attention to this matter. I look forward to your assistance in resolving these issues and protecting my rights under the FCRA.

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