Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
Both XXXX  and TransUnion have misrepresented the resolution of my dispute regarding XXXX XXXX XXXX. After my dispute submitted on XX/XX/year>, both credit bureaus moved the account out of the Collections section but kept it listed under Closed Accounts.

In addition, both bureaus have repeatedly updated the account with the remark consumer dispute after resolution, which is false and misleading. I am the original filer of the dispute not someone disputing after resolution. This notation inaccurately implies I reopened the dispute following a valid resolution when, in reality, no valid resolution ever occurred. The account remains unverifiable and was never properly validated by XXXX XXXX XXXX. 

This is misleading and violates FCRA 611 ( a ) ( 5 ) ( A ), which requires the deletion of unverifiable information not reclassification. I have never had a direct account with XXXX XXXX XXXX, and therefore listing this as a closed account is factually false and continues to damage my credit. 

Additionally, both bureaus are inaccurately reporting a collection account as a closed account, which violates Metro 2 credit reporting standards and the Fair Credit Reporting Act. Collection agencies do not maintain open or closed accounts those designations are reserved for original creditors. XXXX XXXX XXXX is a third-party debt collector and can not legally report this tradeline as closed. 

Reporting the tradeline in this format falsely suggests I had a direct credit relationship with XXXX XXXX XXXX, which I did not. This misrepresents the legal nature of the debt and misleads creditors and scoring systems. Under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ), unverifiable or inaccurately reported information must be deleted, not reclassified. 

I am requesting that Equifax and TransUnion immediately and permanently delete this XXXX XXXX tradeline and that the CFPB investigate XXXX XXXX XXXX for continuing to furnish unverifiable or misleading data. 

I am also including Experian in this complaint, as they are currently reporting or investigating the same XXXX XXXX tradeline. Experian is hereby notified that if they follow the same unlawful reclassification as Equifax and TransUnion, that action will also constitute violations under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ).

The purpose of this complaint is to ensure that all three credit bureaus follow a lawful and accurate resolution complete deletion of the XXXX XXXX XXXX tradeline. 

If these violations are not corrected promptly, I plan to pursue civil legal action for each violation, as the continued false reporting and improper reclassification of a collection account constitute a serious breach of federal consumer protection laws.

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