Consumer complaint received 2025-03-13 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally request the immediate removal of a paid collection account from my TransUnion credit report. This account has already been removed from my XXXX credit report, and it is inaccurate, unfair, and legally unjust for it to continue reporting on my TransUnion file.According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), the continuous reporting of this paid collection account violates my consumer rights based on the following laws : 1. Violation of FCRA Section 609 ( 15 U.S.C. 1681g ) : Right to Accuracy and Verification Under 15 U.S.C. 1681g, I have the right to a complete and accurate disclosure of the information in my file. The fact that XXXX has already removed this account indicates that the information may have been inaccurate, unverifiable, or outdated, therefore TransUnion must do the same. 

Additionally, I am exercising my rights under 15 U.S.C. 1681i ( FCRA Section 611 ), which states that upon notification of a dispute, the credit bureau is required to investigate and verify the accuracy of the account. If the information can not be verified, it must be promptly removed. Given that XXXX has already removed it, the account is now unverifiable and should not remain on my TransUnion credit report. 

2. Violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Duty of Furnishers to Report Accurate Information Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), data furnishers are required to report accurate and complete information. If XXXX deemed the account unverifiable and removed it, it raises serious concerns about the validity and accuracy of the accounts information being furnished to TransUnion. The continued reporting is a direct violation of FCRA Section 623.

3. Violation of FDCPA Section 807 ( 15 U.S.C. 1692e ) : False or Misleading Representation According to the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 15 U.S.C. 1692e ), it is unlawful for any entity to use false, deceptive, or misleading representation in connection with the collection of any debt. Reporting a paid collection account as active, derogatory, or outstanding after it has been removed from XXXX is considered a deceptive and misleading practice, violating the FDCPA.

4. Violation of FCRA Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ) : Obsolete Information Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), any collection account that has been paid or settled may no longer report after seven years from the date of the first delinquency. Given that the account has already been removed from another major credit bureau, it demonstrates the information is now obsolete and should be removed from all credit reports.

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