Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX Account # : XXXX Inaccuracies : 1. " Date Opened '' Issue : o Date Opened : XX/XX/XXXX. 
o This date is in the future, which is impossible and indicates an error.

2. " Last Reported '' Date : o Last Reported : XX/XX/XXXX. 
o Again, this is a future date and violates reporting accuracy standards under the FCRA.

3. Account Type - Detail : o The " Account Type - Detail '' field is reported as Collection, but the original creditor ( XXXX XXXX XXXX ) must be verified. I

nconsistent reporting of " placed for collection '' may require proof of assignment. 4. Balance and High Credit Conflict : o Balance : {$150.00} o High Credit : {$130.00} o The balance can not exceed the high credit amount, indicating a discrepancy. 5. Date of Last Payment Missing : o There is no information on the Date of Last Payment, which is required for collections. 6. Payment Status ( Ambiguous ) : o Listed as "
Collection/Chargeoff ''. The creditor must clarify whether the account is currently being collected or officially charged off.

7. Payment History : o The Two-Year Payment History grid is completely blank and does not provide the expected monthly reporting information. 




XXXX XXXX Account # : XXXX Inaccuracies : 1. Future Reporting Dates : o TransUnion Last Reported : XX/XX/XXXX o XXXX Last Reported : XX/XX/XXXX o Reporting future dates violates the FCRA 's accuracy and timeliness rules. 
2. Balance Inconsistency : o The account balance is reported as {$700.00}, but the Credit Limit is {$500.00}.

o A balance can not exceed the credit limit without proper verification, indicating a reporting error.

3. Comments Conflict : o TransUnion : " Dispute resolved ; reported by grantor. '' o XXXX : " Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " Accounts closed by credit grantor. '' o The comments are inconsistent across the bureaus, suggesting unreliable reporting.

4. Date Discrepancies : o Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX o These dates should align if the account activity is accurate.

5. Two-Year Payment History : o TransUnion and XXXX show XXXX CO '' ( Charge Off ) for multiple months. 
o XXXX indicates " OK '' status after some " CO '' entries, which conflicts with the derogatory status. 
6. Account Type/Status : o Listed as Revolving Credit Card but simultaneously flagged as Collection/Chargeoff.

o Accounts can not be both " revolving '' and charged off without further clarification.

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