Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Email : XXXX Phone : XXXX CFPB and TransUnion Complaint XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and TransUnion regarding inaccurate and incomplete reporting on my credit file related to the XXXX XXXX XXXX  account listed below. 
Creditor XXXX XXXX XXXX XXXX Account Number ( partially masked ) : XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$360.00} Status : Charge-Off Credit Bureau XXXX TransUnion This is my formal dispute and demand for human verification of the data reported. I have previously requested verification multiple times and have not received proper documentation proving accuracy as required under FCRA 611 ( a ). Below are the identified errors and violations.

1. Missing Date of First Delinquency ( DOFD ) Violation : FCRA 623 ( a ) ( 5 ) ( A ) No DOFD is reported, preventing verification of the 7-
year reporting period. This is a statutory requirement.

2. Inconsistent Dates Between Last Payment and Date Closed Violation : FCRA 607 ( b ) Reported last payment ( XX/XX/XXXX ) and closure date ( XX/XX/XXXX ) conflict, showing continued updates after cessation of activity. 
3. Date Updated After Account Closure Violation : FCRA 607 ( b ) The account was updated on XX/XX/XXXX after being closed in XX/XX/XXXX, misleadingly suggesting account activity post-closure. 
4. Improper Removal Date ( Possible Re-Aging ) Violation : FCRA 623 ( a ) ( 5 ) ( A ), 611 ( a ) The removal date of XX/XX/XXXX is inconsistent with standard 7-year rules, suggesting the account was re-aged improperly.

5. Reporting Past Due After Charge-Off Violation : FCRA 607 ( b ) An account can not simultaneously be reported as Charge-Off and Past Due. This creates contradictory and inaccurate reporting.

6. Reporting {$0.00} Credit Limit on a Revolving Account Violation : FCRA 607 ( b ) A {$0.00} limit on a revolving account is inaccurate and misleads scoring models regarding utilization ratios.

7. Conflicting Terms Paid Monthly and Charge-Off Violation : FCRA 607 ( b ) It is contradictory to report an account as both Paid Monthly and Charged Off. This damages creditworthiness unfairly.

Total Violations Identified : 7 Potential Damages : {$7000.00} ( {$1000.00} per violation under FCRA ) I am demanding immediate human verification of this tradeline, including original creditor records, payment history, and DOFD evidence. If unverifiable, this account must be deleted from my TransUnion file as required by law. 
Please treat this as both a formal CFPB complaint and a TransUnion dispute. I request written confirmation of actions taken within 30 days under FCRA 611 ( a ).

Fair Resolution Requested : Deletion of the inaccurate account or full verification documentation. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation