Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Factual Violations Identified : XXXX. XXXX XXXX Account # XXXX Violation : Reporting a Charge-Off with {$0.00} Balance, but continuing to report a derogatory tradeline post charge-off with no collection activity or payment post-charge-off. 
Violation of Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty to provide accurate information.

15 U.S.C. 1681e ( b ) Obligation to maintain accuracy and up-to-date data. 
Supreme Court Support : XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Held that CRAs must do more than rely on data furnisher if evidence of inaccuracy exists. 

XXXX. XXXX XXXX XXXX Account # XXXX Violation : Marked as Charged Off with {$0.00} balance, with no activity or verification information. No current creditor identified. 
Violation of Law : FCRA 1681i ( a ) ( 1 ) ( A ) Consumers right to dispute and obtain reinvestigation.

GLBA 6801 ( b ) Financial institutions must protect the confidentiality of consumer data. 
Supreme Court Support : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Misreporting delinquent or unverifiable accounts violates FCRA. 

XXXX. XXXX XXXX Account # XXXX Violation : Charged off with a {$0.00} balance, no verification or recent activity. Status dates indicate no reinvestigation or update cycle despite inactivity. 
Violation of Law : FCRA 1681s-2 ( b ) Duty to investigate disputed information.

15 U.S.C. 1681g ( a ) ( 2 ) Obligation to disclose sources of information.

Supreme Court Support : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Willful noncompliance under FCRA includes reckless disregard of duties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violation : Listed as a Charge-Off but showing {$0.00} balance. No verification or payment after charge-off. No updated status dates or investigations post reporting. 
Violation of Law : FCRA 1681c ( a ) ( 4 ) Must not report accounts past the 7-year window for adverse information if inactive.

12 C.F.R. 1022.42 Requirement to delete unverifiable data upon reinvestigation. 
Supreme Court Support : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Inaccurate reporting that harms reputation or causes confusion is grounds for standing and FCRA claim. 

XXXX. XXXX Account # XXXX Violation : Reported as a Charge-Off with {$0.00} balance. No verified payment or activity. No active collection efforts, status remains derogatory.

Violation of Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Furnishers must correct and update inaccurate or incomplete information. 
15 U.S.C. 1692e ( 8 ) ( FDCPA ) Debt collector must not communicate credit information known to be false. 
Supreme Court Support : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) FDCPA applies even to attorneys collecting debts and enforces accurate representations to third parties. 

Summary of Violations Account Violation Type Law Violated Supreme Court Case XXXX XXXX XXXX with {$0.00} Balance Still Reporting FCRA XXXX ( b ), XXXX XXXX XXXX TransUnion XXXXXXXX XXXX No Verification + Charge-Off FCRA 1681i, GLBA 6801 XXXX XXXX XXXXXXXX XXXX No Reinvestigation, No Activity FCRA 1681s-2, 1681g XXXX XXXX XXXX XXXXXXXX XXXX Stale Charge-Off Reporting FCRA 1681c, 12 CFR 1022.42 XXXX XXXX XXXX XXXX False Derogatory Info After Charge-Off FCRA 1681s-2, FDCPA 1692e ( 8 ) XXXX XXXX XXXX Subject : Formal Notice of Factual Violations and Demand for Deletion and Compliance Under Federal Law NOTICE to : TransUnion Legal Compliance Department : I am a federally protected consumer a living man and I am writing to formally assert my rights and demand immediate correction and deletion of multiple factual errors and federal violations identified in your reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are being reported as charge-offs with {$0.00} balances, yet remain on my report with derogatory status, no payment activity, and without lawful verification. This constitutes willful noncompliance with your duties under the following laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 et seq.

Code of Federal Regulations ( CFR ) 12 C.F.R. 1022.42 and others.

Under FCRA 1681i, you are obligated to conduct a full and complete reinvestigation within 30 days of this notice. Additionally, FCRA 1681e ( b ) requires that all information you maintain be accurate and up-to-date. Reporting charge-offs with {$0.00} balances and no post-charge-off activity as derogatory tradelines is materially misleading and inaccurate. 

Your failure to reinvestigate and delete unverifiable or outdated information may constitute willful noncompliance, as defined in XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ). Knowingly furnishing or maintaining false or misleading credit information is further supported by XXXX v. TransUnion and XXXX XXXX XXXX. 

Demand for Deletion and Legal Consequences I hereby demand the following : Immediate reinvestigation and permanent deletion of all unverifiable or inaccurately reported accounts as listed above.

Provision of the name, address, and source of each furnisher of the derogatory data under FCRA 1681g.

Written confirmation within 15 calendar days that corrective action has been taken, or I will escalate with the FTC, State Attorney General, and legal counsel. 

Failure to comply will constitute knowing and willful participation in federal violations, subject to statutory damages under 15 U.S.C. 1681n, and civil liability under XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 

Sincerely, XXXX

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