Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
XXXX TransUnion XXXX XXXX XXXX XXXX XXXX : Repeated Unlawful Reinsertion, Furnishing Inaccurate Data, and Unlawful Re-Aging in Violation of the FCRA Account XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Charge-Off : XX/XX/XXXX / XX/XX/XXXX ( accounting charge-off per XXXX ) Current Reporting ( TransUnion ) : Date XXXX : XX/XX/XXXX Balance : {$32000.00} High Balance : {$34000.00} ( XXXX XXXX ) Estimated Removal : XX/XX/XXXX Pay Status : Charge-off Timeline of Events Date Event Entity XX/XX/XXXX Last payment made XXXX XX/XX/XXXX Account charged off for XXXX purposes XXXX XX/XX/XXXX Official charge-off noted XXXX XX/XX/XXXX Account deleted from TransUnion after prior dispute TransUnion XXXX Account reinserted without written notice required under 611 ( a ) ( 5 ) ( B ) TransUnion XX/XX/XXXX Account deleted again following CFPB complaint TransUnion XXXX Account reinserted again, showing false Date Closed XX/XX/XXXX and high balances in XXXX TransUnion/XXXX  XX/XX/XXXX XXXX responds, confirming charge-off for accounting purposes but refuses to acknowledge closure or correct the reported Date Closed XXXX Present Account continues to report inaccurate information, artificially extending derogatory period TransUnion/XXXX  Violations by Entity 1. TransUnion 611 ( a ) ( 5 ) ( B ) Reinsertion Without Notice : TransUnion reinserted a previously deleted tradeline twice without sending written notice within 5 business days.

1681e ( b ) Reporting Inaccurate Information : The account shows a false Date Closed of XX/XX/XXXX and high balances in XXXX, long after the last payment and charge-off. 
1681c ( a ) ( 4 ) - ( 5 ) Unlawful Re-Aging : By reporting a XXXX closure date, the accounts reporting period is artificially extended beyond seven years from the Date of First Delinquency ( DOFD, XX/XX/XXXX ). 
1681n Willful Violations : Repeated reinsertion despite prior CFPB complaints constitutes willful and reckless violations, supporting statutory damages. 

2. XXXX XXXX XXXX 1681s-2 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information : XXXX confirmed the account was charged off for accounting purposes on XX/XX/XXXX and has not deleted the tradeline. Despite this, both XXXX and TransUnion reported a false Date Closed of XX/XX/XXXX and high balances in XXXX. This misrepresents the accounts status to consumers and creditors. 
1681s-2 ( b ) ( 1 ) ( A ) - ( D ) Failure to Reinvestigate and Correct : Despite prior CFPB complaints and account deletions, XXXX has failed to correct inaccurate reporting or provide accurate closure dates to TransUnion. 
1681c ( a ) ( 4 ) - ( 5 ) Unlawful Re-Aging : The reported closure date unlawfully extends the accounts seven-year reporting period from the DOFD.

1681n Willful Violations : Continued furnishing of inaccurate closure data and high balances after multiple complaints constitutes willful and reckless violation of the FCRA. 
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Harm Suffered Credit denials and higher borrowing costs due to artificially extended derogatory reporting. 
Misrepresentation of account history affecting loan, mortgage, and credit applications. 
Ongoing FCRA violations because the account was repeatedly deleted and reinserted based on inaccurate closure reporting. 
Supporting Evidence Screenshots/PDFs of current TransUnion report showing : False Date Closed ( XX/XX/XXXX ) High Balance entries in XXXX Prior CFPB complaint numbers regarding previous deletions. 
Correspondence from XXXX confirming accounting charge-off but not closure. 
XXXX of deletions and reinsertions.

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