Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
Subject : Credit Reporting Errors & FCRA Violations by TransUnion, XXXX, and XXXX Funding Complaint Details : I am filing this complaint against TransUnion, XXXX, and XXXX Funding for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards regarding an account that is being reported inaccurately on my credit report. 

Account Information : Creditor : XXXX Funding ( Original Creditor : XXXX XXXX XXXX Account Balance : {$1000.00} Account Status : Listed as " Open '' and " Collection/Charge-Off '' simultaneously Date of Last Activity : Incorrectly reported as XX/XX/year> Bureaus Reporting : TransUnion & XXXX Violations Identified : Re-aging of Debt ( FCRA 605 ( c ) ) The accounts last activity date is incorrect, making it appear newer than it actually is.

This is a clear case of re-aging, which is illegal because it extends the time negative information remains on my credit report. 
Duplicate/Incorrect Reporting ( Metro 2 Violation ) XXXX XXXX XXXX XXXX XXXX  was the original creditor, but LVNV Funding now owns the debt.

Metro 2 requires that only the current owner report the debt. XXXX XXXX  should have marked this account as " Transferred/Sold, '' but that has not been done.

Incorrect Account Status ( Metro 2 & FCRA Violation ) The account is marked as " Open '' and " Collection/Charge-Off '' at the same time, which is conflicting information.

A charged-off account should not be reported as open.

False Monthly Payment Information The account lists a {$1000.00} " monthly payment, '' which is misleading because collection accounts do not have monthly payments. 
This falsely increases my debt-to-income ratio, which can harm my creditworthiness. 
Dispute Not Properly Addressed ( FCRA 611 Violation ) I disputed this account with TransUnion and XXXX, and instead of correcting the errors or removing the unverifiable information, they left it on my report without providing proper validation. 
Under FCRA 611, credit bureaus are required to investigate and correct or delete disputed information within 30 days. 
Since this has not been done, TransUnion and XXXX are in violation. 
XXXX XXXX Failed to Provide Proper Debt Validation ( FDCPA Violation - FCRA 809 ) I have requested validation of this debt, and XXXX Funding has failed to provide proof of the original agreement, itemized charges, or a contract that shows I owe this debt. 
Requested Resolution : I am requesting the immediate removal of this inaccurate and unverifiable account from my TransUnion and XXXX reports due to violations of the FCRA and Metro 2 compliance standards. 

If TransUnion and XXXX can not verify the accuracy, they must delete the account under FCRA 611. 
If XXXX XXXX can not validate the debt, they must remove it from my credit file under FDCPA rules. 
If the bureaus and XXXX XXXX fail to comply, I will consider legal action under FCRA 616 ( Civil Liability for Willful Noncompliance ) and FCRA 617 ( Civil Liability for Negligence ).

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