Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Complaint XXXX : XXXX. TransUnion XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Data Furnisher, via XXXX XXXX XXXX ) Subject : Demand for Immediate Deletion of Trade Line Following a Pattern of Unreasonable Reinvestigations and Willful Non-Compliance with the FCRA. 

I. NOTICE OF FAILURE TO COMPLY AND DEMAND FOR DELETION This is not a request for correction. This is a formal complaint and demand for the immediate and permanent deletion of the XXXX XXXX XXXX account ( * * * * XXXX ) from all my credit files. Both TransUnion and XXXX XXXX have demonstrated, through a pattern of conduct, that they are either unwilling or legally incapable of reporting this account accurately. Their continued reporting violates the Fair Credit Reporting Act ( FCRA ), and deletion is the only appropriate remedy. 

XXXX. CATEGORICAL AND UNREMEDIABLE INACCURACIES The account is fundamentally and irredeemably flawed. Any attempt at " verification '' by the parties involved is a legal fiction, as they are verifying information that is provably false at its core. 

A. Deceptive and Unlawful Characterization as " Factoring '' : XXXX is a debt buyer. It purchases defaulted consumer debt for pennies on the dollar. It is not, and has never been, a factoring company. Factoring involves the purchase of performing business-to-business receivables. This labeling is a deliberate, deceptive trade practice designed to mislead creditors and scoring models about the nature of the debt. This is not an inaccuracy ; it is a deceptive practice that permeates the entire trade line, making accurate reporting impossible. 
B. Fraudulent " Date Opened '' Re-Aging : The " Date Opened '' of XX/XX/year> is the date XXXX obtained the defaulted debt. It is a blatant misrepresentation of the account 's true history, which originated with XXXX XXXX Bank on a much earlier date. This constitutes illegal " re-aging '' of the debt, making a stale account appear recent. A furnisher that willfully misstates the fundamental chronology of an account can not be trusted to report any aspect of it accurately. 

XXXX. CONCLUSIVE EVIDENCE OF A " SHAM '' REINVESTIGATION My previous dispute resulted in a " verification '' that only updated the " Date Updated '' field to XX/XX/XXXX, XXXX date in the future. 

This is not a minor error. It is irrefutable proof that the reinvestigation conducted by TransUnion and XXXX was an automated, perfunctory, and unreasonable " sham '' as defined under FCRA precedent ( 1681i ( a ) ).

No human being engaged in a good-faith investigation could have " verified '' the account 's accuracy while simultaneously introducing a physically impossible data point.

This action demonstrates a complete and utter failure of the reasonable procedures required by 1681e ( b ).

IV. DEMAND FOR REMEDY : PERMANENT DELETION Given the willful and persistent nature of these violations, and the demonstrable inability of these entities to report accurately, I will not accept " correction. '' The entire reporting framework for this account is built on a foundation of deception and procedural failure.

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