Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
Complaint Summary Proof of Securitization, False Reporting, Direct Admissions Under Oath, and Required Correction to Paid-in-Full Status Since XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been reporting XXXX XXXX accounts beginning with XXXX as active charged-off debts with balances due to both XXXX  and TransUnion, even though XXXX  XXXX has sold , transferred, and assigned all rights, title, and interest in those contracts to the federally registered XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
The following statements, taken verbatim from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Sale and Servicing Agreement filed with the U.S. Securities and Exchange Commission ( SEC ) , are direct admissions under oath by XXXX XXXX, as all SEC filings are made under penalty of perjury pursuant to 18 U.S.C. 1001 and 15 U.S.C. 78ff. 
A. Form XXXX Admissions ( Ownership and Transfer ) Page 2 Definition of Receivables : The term Receivables refers to retail installment sale contracts secured by new and used passenger cars and light trucks originated by XXXX XXXX XXXX XXXX XXXX XXXX as seller , in the ordinary course of its business. 
Page XXXX Transfer to Depositor : The Receivables were sold by XXXXXXXX XXXX XXXX XXXX XXXX , as seller, to XXXX Retail XXXX XXXX XXXX XXXX XXXX XXXX pursuant to a Receivables Purchase Agreement dated XX/XX/year>. The purchaser then sold and assigned the Receivables and its rights under that agreement to XXXX XXXX XXXX XXXX XXXX XXXX to a Sale and Servicing Agreement among the Trust, the Depositor, and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX as seller and servicer .

Page 3 Assignment Language : Pursuant to the Sale and Servicing Agreement, the Seller sold and assigned to the Depositor, and the Depositor sold and assigned to the Trust, all of their right, title and interest in and to the Receivables, together with the security interests in the financed vehicles and all proceeds thereof. 
B. Sale and Servicing Agreement Admissions ( Custodial Role and Authority ) Article II 2.01 Conveyance of Trust Property ( p. 1 ) : The Depositor hereby irrevocably sells, transfers, assigns and otherwise conveys to the Issuer, without recourse, all right, title and interest of the Depositor in and to the Receivables and the security interests in the Financed Vehicles.

Article III 3.01 Duties of Servicer ( p. 9 ) : The Servicer shall manage, service, administer and make collections on the Receivables for the benefit of the Issuer.

Article VI 6.01 Representations and Warranties of Servicer ( p. 29 ) : The Servicer has the power and authority to service the Receivables and hold the Receivable Files as custodian on behalf of the Issuer. 
Signature Page ( p. XXXX ) : Executed by XXXX XXXX, XXXX. ( as Owner Trustee for the Issuer ), XXXX XXXX XXXX XXXX XXXX as Depositor ), and XXXX XXXX XXXX XXXX XXXX ( as Seller and Servicer ). 
These provisions are sworn admissions that XXXX XXXX is not the creditor, but only a servicer and custodian for the Trust.

C. Legal and Reporting Violations These SEC-filed documents prove that XXXX XXXX no longer owns or holds legal title to either retail installment contract, having irrevocably conveyed the receivables and collateral interests into the XXXXXXXX XXXX XXXX XXXX XXXX , while retaining only servicing rights.

By continuing to report ownership and collectible balances after these transfers, XXXX XXXX is knowingly furnishing false and incomplete information in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( 2 ) and the CFPB Debt-Sale Reporting Bulletin XXXX, which requires a XXXX balance and transferred/sold status once a receivable has been sold. 
XXXX  and TransUnion further violated 1681i ( a ) and 1681s-2 ( b ) by verifying these tradelines despite public SEC evidence disproving XXXX  ownership. 
D. Required Correction Paid in Full and Transferred Status Because XXXX XXXX received full monetary consideration upon sale of the receivables to the Trust on XX/XX/year>, the accounts were paid in full from XXXX  standpoint as of that date. Under CFPB Bulletin XXXX, the FCRA 1681s-2 ( a ) duty of accuracy, and Metro 2 reporting standards , XXXX XXXX must therefore : Update both accounts ( XXXX ) to show Paid in Full / Closed Transferred to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>, Report all payment history as current through the date of sale, and Remove any charge-off, past due, or balance owed notation after that date. 
This is the only reporting status consistent with the sworn SEC filings and the companys actual financial position once it sold the receivables to the Trust.

attached is their sec admission as well my credit report

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