Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Formal Complaint Regarding Inaccurate Reporting by XXXX  XXXX XXXX Across All Credit Bureaus Dear CFPB, I am submitting a formal complaint regarding the reporting of XXXX  XXXX XXXX on my credit reports from TransUnion, Experian, and Equifax, which contains multiple inaccuracies and FCRA violations, negatively affecting my credit history and score. 

Account Information : Creditor : XXXX XXXX XXXX Account XXXX : TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX  Experian : XXXX Equifax : XXXX Reported Balance : {$6300.00} Date Opened : XX/XX/XXXX Date Closed / Charge-Off : XX/XX/XXXX Historical Credit Limit : {$5500.00} Detailed Issues and Violations by Bureau : TransUnion : Status : Charge-off Last Update : XX/XX/XXXX Credit Limit : {$5500.00} Balance : {$6300.00} Issue : The account was closed and charged-off on XX/XX/XXXX, yet TransUnion continues reporting activity, balance , and credit limit as if active. 

Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting inaccurate or misleading information. 

Experian : Status : Account charged off ; {$6300.00} written off ; {$6300.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Limit : {$5500.00} Issue : Account shows past-due amount and activity after closure. Dates of last activity and balance updates are inconsistent and misleading. 

Violations : FCRA 1681c ( a ) ( 4 ), 1681e ( b ) Improper re-aging and inaccurate reporting. 

Equifax : Status : Closed / Charge-off Balance : {$6300.00}, Past-due {$6300.00} Last Payment : XX/XX/XXXX Date Reported : XX/XX/XXXX Issue : Equifax continues reporting a past-due balance and shows consumer disputes in progress without correcting the inaccuracies. 

Violations : FCRA 1681i ( a ), 1681e ( b ) Failure to correct unverifiable information after dispute. 

Additional Violations : Credit limit continues to be reported after charge-off, distorting utilization and credit reporting. 

Inconsistent removal dates across bureaus ( TransUnion : XXXX/XXXX ; Experian : XX/XX/XXXX ; Equifax : unclear ), violating FCRA 1681c ( a ). 

Overall lack of maximum accuracy and verification procedures, violating FCRA 1681e ( b ).

Requested Resolution : I request that CFPB intervene to ensure : Immediate removal of this account from all credit reports if it can not be fully verified. 

Correction of all inconsistencies in balance, status, dates, and credit limit across all bureaus. 

Assurance that no future reporting of inaccurate or misleading information occurs. 

Attached are copies of my TransUnion, Experian, and Equifax reports for your review. 

Thank you for your prompt attention to this matter. I am available to provide any additional documentation or information as needed. 

Sincerely, XXXX 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 non-monetary relief