Consumer complaint received 2025-10-20 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:
Background and Context This complaint concerns the inaccurate and unverifiable account being reported under XXXX XXXX XXXX, Account # XXXX. 

This tradeline is being reported with conflicting dates, incomplete account type information, and inaccurate payment history, despite prior disputes requesting verification and correction. 

The bureaus continued reporting of this information, along with XXXX failure to validate or correct it, constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Key Inconsistencies and Violations Account Type Conflicts Equifax : Open Account Experian : Unknown - credit extension, review, or collection TransUnion : Deposit related These classifications are inconsistent and can not legally refer to the same account. This violates FCRA 1681e ( b ) requiring accuracy and uniformity in reporting. 

Inconsistent and False Dates Date Opened : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( TransUnion ) Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( TransUnion ) Last Reported : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  XXXX TransUnion ) This shows fabricated re-aging and false reporting of recent activity for an account that had not been active since early XXXX. 

No XXXX XXXX XXXX XXXX documentation has been provided identifying the original creditor, purpose of the account, or contract authorizing the debt. 

Reporting unverifiable data is a direct violation of FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ). 

Incomplete and Misleading Payment Data No payment history or delinquency dates exist ; however, it is reported as Charged Off and Profit and Loss Write-Off. 

This is misleading and damages the consumers credit score without substantiation.

Failure to Update or Correct After Dispute Despite prior disputes, the data remains inaccurate.

Failure to reinvestigate constitutes FCRA 611 ( a ) ( 1 ) ( A ) violation.

Legal Violations FCRA Violations 602 ( A ) ( 1 ) Failure to maintain fair and accurate consumer reporting.

607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to assure maximum possible accuracy.

611 ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information.

611 ( a ) ( 5 ) ( A ) - ( B ) Illegal reinsertion of previously disputed data without certification.

623 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate.

623 ( a ) ( 3 ) Failure to note consumer dispute in the report.

623 ( a ) ( 5 ) Re-aging of an account to manipulate reporting timelines.

FDCPA Violations 1692e ( 2 ) ( A ) False representation of the character or legal status of a debt.

1692e ( 8 ) Failure to communicate that a disputed debt is disputed.

1692f ( 1 ) Attempting to collect or report an amount not authorized by agreement or law.

1692d Harassing or misleading conduct by continuing to report unverifiable debt.

Consumer Rights Under federal law, I have the right to : Receive full validation of any alleged debt prior to reporting. 

Have inaccurate or unverifiable accounts deleted from my credit reports. 

Receive written notice of any reinsertion of previously deleted or disputed data. 

Pursue legal and monetary relief for violations of the FCRA and FDCPA.

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