Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
CFPB Complaint XXXXXXXX XXXX Illegal Credit Reporting After Sale of Account Summary of Complaint I, XXXX XXXX, on XX/XX/XXXX, am filing this complaint regarding XXXX Banks continued inaccurate reporting and verification of an inaccurate XXXX XXXX XXXX  Account ( account ending in XXXX ) that they acknowledge they no longer own. Also, TransUnion has failed to conduct a reasonable investigation of this inaccurate account with removal from my credit report as required by law. 

XXXX XXXX  charged off and sold the account on XX/XX/XXXX, and issued a XXXX.. Despite having no ownership or servicing rights, they have continued to respond to disputes and represent themselves as the reporting party. This is unlawful under the FCRA and constitutes deceptive credit furnishing activity. 

Evidence Comenitys Own Admission In XXXX XXXX  written response dated XX/XX/XXXX, they confirmed : Were no longer the creditor on your account. 
We sold your account to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. 
They also stated : Your account charged off due to nonpayment on XX/XX/XXXX. They further admitted they are still reporting and responding to disputes : Were reporting the account correctly XXXX notified the credit reporting agencies that you dispute the reporting. Yet they simultaneously claim : Were no longer the creditor on your account. 

Violations Comenitys continued participation in credit reporting and dispute verification after sale and charge-off violates : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate or misleading FCRA 15 U.S.C. 1681s-2 ( b ) Duty to conduct proper dispute investigations they can not lawfully investigate a debt they admit they no longer own UDAAP ( 12 U.S.C. 5531 & 5536 ) Deceptive credit furnishing and interference with consumer credit rights Relevant case law : XXXXXXXX XXXX XXXXXXXX & XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Inaccurate/misleading credit reporting is actionable XXXX XXXX  XXXX & XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Furnishers must correct false reporting and can not mislead the credit bureaus Requested Resolution I respectfully request that the CFPB require XXXX XXXX  to : 1. Immediately remove this inaccurate account from my credit reports including TransUnion 2. Cease and desist from furnishing or verifying any data on this account to TransUnion and any other credit reporting agency 3. Provide written proof they had authority to report and respond to disputes on my personal credit report after XX/XX/XXXX 4. Provide monetary compensation for credit damage and reporting violations 5. Issue corrective reporting to all CRAs Harm Suffered Comenitys unlawful actions have : Lowered my credit score Caused denial/delay of credit opportunities Created reputational/financial damage Conclusion XXXX XXXX  admitted in writing that they sold the account and are no longer the creditor, yet they continue to report and verify it through credit disputes with TransUnion. This is a clear violation of federal credit reporting law. I request immediate CFPB intervention and corrective action.

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