Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX : XXXXXX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  / TransUnion ] Re : Demand for Permanent Deletion XXXX Account Dear [ Credit Bureau ], I am disputing the following account on my credit file and demanding permanent deletion : Creditor : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  Status : Closed Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Issue : The account is being reported as Derogatory / Charge-off despite being closed with a {$0.00} balance. 

This reporting is inaccurate, incomplete, misleading, and unverifiable in violation of the Fair Credit Reporting Act ( FCRA ). A {$0.00} balance, closed account can not legally remain reported as derogatory or charged-off because it creates the false impression of a current delinquency or unpaid debt. 



FCRA Laws Supporting Permanent Deletion 607 ( b ), 15 U.S.C. 1681e ( b ) : Bureaus must ensure maximum possible accuracy. Misleading reporting is not accurate.

611 ( a ) ( 1 ) ( A ) : Consumers may dispute any item believed to be inaccurate or misleading.

611 ( a ) ( 5 ) : If an item can not be verified with complete accuracy, it must be permanently deleted.

623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

623 ( a ) ( 2 ) & 623 ( b ) : Furnishers must update, correct, or delete any information that is incomplete, misleading, or unverifiable. 



Case Law Requiring Deletion ( Even if Verified ) XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Bureaus can not simply parrot a furnishers claim of verification ; they must delete unverifiable info. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Reliance on creditor verification without independent investigation is unreasonable. 
XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Reporting a closed account as delinquent is inaccurate and misleading. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Information that is technically accurate but materially misleading must be deleted. 
XXXX XXXX Credit Bureau, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Misleading reporting qualifies as inaccurate under the FCRA. 
Sepulvado v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Unverifiable data must be deleted. 
XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Furnishers are liable for reporting misleading or incomplete information. 
XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Furnishers must fully investigate and delete misleading data, not just rubber-stamp verified. 



My Demand I am not requesting a correction. 
I demand that the WFC account be permanently deleted in its entirety from my credit report. 
Reporting this account as derogatory after closure and {$0.00} balance is inaccurate and misleading. 
Even if you claim this information is verified, federal case law establishes that misleading reporting must be deleted. 
Therefore, the only legally compliant outcome under FCRA 611 ( a ) ( 5 ) is permanent deletion.

Failure to comply will leave me no choice but to pursue remedies under 15 U.S.C. 1681n and 1681o, which allow for statutory damages, actual damages, punitive damages, and attorneys fees. 

Please confirm deletion in writing within 30 days. 

Sincerely, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX

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