Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Consumer Complaint Statement XXXX XXXX XXXX XXXX vs. Experian Misreporting of Repossession as Monthly Charge-Off Summary of the Issue : I am filing this formal complaint against Experian Information Services , LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and the Dodd-Frank Act ( UDAAP ) by continuously and inaccurately reporting a repossessed vehicle account as a monthly Charge-Off, which misrepresents the status of the account and causes ongoing harm to my credit profile. 



Details of the Violation : The account in question is from XXXX XXXX XXXX ( Account # XXXX ), related to a vehicle repossession that occurred around XX/XX/XXXX. 
Instead of accurately reporting a one-time final derogatory status, Experian continues to display a monthly charge-off pattern, which : Misleads lenders and third parties about the true nature of the account ; Illegally re-ages the tradeline and artificially extends the derogatory impact ; Violates Metro 2 compliance guidelines regarding Payment History Profile ( XXXX ), Account Status ( XXXX ), Date of First Delinquency ( XXXX XXXX ), and Date of Last Activity ( XXXX XXXX ) ; Fails to apply the required Compliance Condition XXXX  XXXX  during my active disputes ; Is considered deceptive and abusive under 12 U.S.C. 5531 ( UDAAP ).

Legal Violations Cited : FCRA 605B ( 15 U.S.C. 1681c-2 ) Right to block information resulting from inaccurate or unauthorized reporting.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibition against furnishing inaccurate or incomplete information. 
FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) Failure to reinvestigate and correct disputed data.

Metro 2 Technical Violations Misuse of account coding after repossession.

UDAAP 12 U.S.C. 5531 Ongoing pattern of false and abusive credit reporting.

Prior Disputes : I submitted multiple written disputes directly to Experian, including documentation that the account was being misreported. Despite these efforts, Experian failed to correct the errors or conduct a reasonable reinvestigation, violating the standard set in XXXX v. TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXX XXXX v. Equifax ( XXXX ). 



Requested Relief : XXXX. Permanent deletion and blocking of the XXXX XXXX XXXX account ( # XXXX ) from my Experian credit report. 
XXXX. Confirmation that Experian has notified XXXX XXXX XXXX to cease furnishing incorrect data. 
XXXX. Investigation and regulatory enforcement by the CFPB for Experians repeated failure to comply with the FCRA and Metro 2 standards. 
XXXX. Any additional relief or sanctions the Bureau deems appropriate. 



Supporting Documents Provided : Copy of Experian credit report showing monthly charge-offs post-repossession Copy of my written disputes Valid ID and address proof

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