Consumer complaint received 2025-06-28 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: MI

Complaint narrative:
I'm submitting an additional complaint against Transunion based on their XX/XX/XXXX investigation results on the XXXX XXXX account . 

XXXX  XX/XX/XXXX letter states the following : - The account was closed and charged off on XX/XX/XXXX - I made 14 payments of 18 - The account was sent to two third-party collection agencies after being charged off - The account was verified and accurate according to XXXX  records These statements are inaccurate, legally flawed, and mathematically impossible. They also directly conflict with TransUnions credit reporting, which shows : - A charge-off balance of {$2500.00} - Ongoing monthly C/O notations through XX/XX/XXXX - No record of the 20 actual payments I made - No acknowledgment of ownership transfers or assignment to third-party collectors Contradiction # 1 I Made 20 Payments, Not 14 XXXX  claims I made 14 payments. My bank statements prove I made 20 payments of {$150.00}, totaling {$3100.00}. The initial loan amount was {$1600.00} total payments would = {$2700.00} Payment Dates ( All Confirmed via Bank Records ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Paid : {$3100.00} Original Loan : {$1600.00} This confirms I paid back nearly double the amount borrowed, and that XXXX  misrepresented the number of payments received, which invalidates any verification made by TransUnion. 

Contradiction # 2 {$2500.00} Balance Reported as Owed Despite {$3100.00} Paid TransUnion reports a balance and charge-off of {$2500.00}, even though I paid {$3100.00} nearly 200 % of the original loan amount.

This reporting is : Inaccurate Predatory Legally indefensible under FCRA 1681e ( b ) and Metro 2 Contradiction # 3 Reporting a Closed Account as Active for Over 5 Years XXXX  states : The
account was closed and charged off on XX/XX/XXXX. 

Yet TransUnion continues to report monthly charge-off activity through XX/XX/XXXX five years later.

This is a clear violation of : - Metro 2 guidelines, which prohibit ongoing charge-off coding on closed accounts - FCRA 1681i ( a ) failure to reinvestigate and correct false data Contradiction # 4 Post-Charge-Off Collection Transfers Invalidate Furnisher Authorit
y XXXX further admits : After the account was charged off, it was sent to a collection agency and later returned. It was subsequently sent to a second collection agency.

This means : - XXXX  transferred ownership or servicing rights twice - Once an account is assigned or sold to a debt collector, the original creditor no longer has the right to furnish data as if it owns the account - Therefore, XXXX  reporting to TransUnion is unauthorized and legally unverified Contradiction # 5 TransUnion Still Labels the Account Verified as Accurate Despite : 20 confirmed payments Contradictory XXXX  statements A closed and charged-off status Proven overpayment
Ownership transfer TransUnion still marked the account as verified as accurate, showing it : Conducted no meaningful investigation Failed to review actual documentation Ignored factual evidence and Metro 2 requirements Contradiction # 6 TransUnion Enabled Ongoing Updates on a Closed and Overpaid Account Allowing XXXX  to continue updating the tradeline 5 years after closure, with a false balance, while the account was : Overpaid, Sent to collections twice, And documented as closed constitutes a willful violation of the FCRA and consumer rights.

Requested Resolution : I am requesting immediate corrective action : Correction of the payment history, which proves the loan was paid as agreed and closed or complete deletion of this tradeline from my TransUnion report due to multiple violations and unreliability of the data furnished. 

Supporting Evidence Available : XX/XX/XXXX TransUnion response XX/XX/XXXX XXXX  letter Screenshots of TransUnion credit report showing monthly C/O through XXXX Bank statements showing XXXX payments totaling {$3100.00} Loan summary and terms from XXXX XXXX  XXXX  has been furnishing false, misleading, and harmful credit information since XXXX. Despite receiving over {$3100.00} on a {$1600.00} loan, they falsely charged off the account, transferred it to collectors, and continued updating it monthly. TransUnion failed to catch these errors and has actively enabled the damage to my credit profile for over six years.

The account is overpaid, closed, and no longer collectible. It must be updated to reflect Paid as Agreed Closed, or be immediately removed.

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