Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
This complaint is linked to CFPB Case # XXXX ( XXXX XXXX XXXX XXXX XXXX and related cases involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, I mailed a certified dispute and validation request to TransUnion LLC challenging inaccurate and duplicate reporting of a XXXX XXXX XXXX XXXX account ending in XXXX. The account was sold to XXXX XXXX XXXX in XX/XX/XXXX, then resold to XXXX XXXX XXXX on XX/XX/XXXX. These transfers are documented through prior CFPB filings and written correspondence from each furnisher.

Despite clear notice of ownership transfers and ongoing CFPB enforcement activity, TransUnion continues to display an inaccurate Charge-Off/ Transferred or Sold tradeline for XXXX, implying that the balance remains active and collectible. 

TransUnion has failed to respond to my certified dispute ( USPS delivery confirmed ), failed to conduct a reinvestigation, and failed to delete unverifiable information, in violation of FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ), and 607 ( b ).

These continuing errors have caused measurable harm including higher interest rates, suppressed FICO scores, and reputational injury which are especially burdensome as I am a XXXX XXXX XXXXXXXX veteran living on fixed income. 

TransUnions inaction, even after the CFPBs involvement with the other furnishers, demonstrates systemic negligence and disregard for its duty to maintain accurate consumer reports.

Legal Significance : Even though the account balance is {$0.00} and the remark states purchased by another lender, TransUnion still marks it as Derogatory / CollectionCharge-Off. This constitutes inaccurate reporting under FCRA 607 ( b ) and 611 ( a ).

False Derogatory Status : Outdated Reporting Date ( XX/XX/XXXX ) XXXX XXXX sale occurred XX/XX/XXXX, yet TransUnion continues to display it as active derogatory nearly 18 months later.

This failure to update or suppress the tradeline after sale constitutes unreasonable reinvestigation under 611 ( a ).

No Sold To or Transferred Clarity : Purchased by another lender without identifying XXXX XXXX XXXX or Integras means TransUnion can not certify the data source. 

Under 611 ( a ) ( 7 ), you can now demand the Method of Verification ( MOV ) the internal data source, date of verification, and furnisher contact. 

Ongoing Damages : The report shows a XXXX XXXX ( XXXX ), but still lists XXXX derogatories one being this XXXX tradeline. 

The FICO suppression effect likely reduces your score XXXX points, contributing to higher borrowing rates. 

LINKED COMPANY SECTION - XXXX XXXX XXXX XXXX What information did you request? 
On XX/XX/XXXX, I mailed a certified dispute requesting correction or deletion of a sold account PenFed no longer owned. Despite acknowledging the sale in writing, XXXX continued to report charge-off and payment history data after divestment, violating FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX information did you request? 
On XX/XX/XXXX, I mailed a certified validation request. Security confirmed that it sold the account to XXXX on XX/XX/XXXX but continued to furnish data after divestment, in violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

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