Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
In response to XXXX this was for METHOD OF VERIFICATION Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My last dispute TransUnion states that this account for XXXX Came back verified as accurate. They also mailed me documentation of how they verified this. 1. I have never received any documentation of how this was verified. 2. Please explain to me how you verified an account as accurate when it allegedly has a status of charge off, but is reporting its still open??? 3. Please explain how you verified a balance as accurate when you have no payment history, no payment amount, and no interest rating. So either 1. Validly explain how you verified an account that is being reported as charge off and is open. As accurate?? 2. To verify the balance, ( A ) I want to see every single payment made or not paid. Not the companies records but the record from the third party payee which they would have because this was on direct withdrawal for payment. ( B ) If there was an alleged miss payment, I want to see where was denied from the third-party pay ( C ) the interest rate and I want to see the interest rate that is on the contract with my wet signature since youre saying that you verified, this is accurate as mine ( D ) explain to me why this is not on XXXX or XXXX and theyve already removed this, but youve verified it as accurate. On my pervious complaint, it was stated TransUnion verified. This is accurate because they called the creditor. And this was done on a re-investigation. also, this is not my first time submitting a verification of investigation you had 15 days back XXXX of XXXX. And there was no explanation of investigation ever sent to me. So therefore, this should be deleted. And as Ive stated before, this is not my account, my account was closed back in XX/XX/XXXX. This account is being reported as open. This is not my account. I believe this is some kind of mixed file. And just because youve contacted the creditor and they stated over the phone that this is what happened unless that person has personal knowledge which means they actually seen every single payment Ive made and are willing to go to court raise their right hand under oath and state theyve seen every single payment made. Theyre just reading what they have in the computer. They dont know either. Thats why Im asking for verification and TransUnion is following FCRA rules.

View full complaint Information requested Status CFPB requested more information from you on XX/XX/XXXX Please provide the information we need to keep your complaint moving. 
We need your help to : Identify the company you complained about so we can send your complaint to them for response. We need as much contact information about this company as you can provide, such as the addresses of building locations, company websites, and phone numbers. 
Please Provide : A document with as much company contact information as possible, such as the addresses of building locations, company websites, and phone numbers. 

Attachments Provided Dispute Investigation Results _ TransUnion Online Service Center ( 2 ) .XXXX XXXX XXXX XXXX XXXX Information received Status CFPB received requested information from you on XX/XX/XXXX Thank you for replying to our request for information. We are now able to resume work on this complaint. 

Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Marked as duplicate Status Marked as a duplicate complaint on XX/XX/XXXX This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. 

The reference they are refuring to is for a reinvestigation of disputed items not method of verification. 

US Flag An official website of the United States Government Logged in as XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Disputed an account, XXXX that had fallen off my credit report which is now being reported, TransUnion only XXXX as off XX/XX/XXXX as 1. Open 2. Charge-off 3. Balance Due 4. Past Due Account as opened XX/XX/XXXX. XXXX has reported two missing payments from XX/XX/XXXX and XX/XX/XXXX, repossession from XX/XX/XXXX and a charge off from XX/XX/XXXX, but not one payment made. So from XX/XX/XXXX to XX/XX/XXXX it is reported as unknown. This is a FCRA VIOLATION 623 since this is inaccurate and incomplete since there was over 24 months to be reported. And out of those 24 months, there was only four months reported which were allergy negative Months. This directly affects my credit score due to the fact that payment history is 35 % of anyones credit score And since XXXX is reporting only 4 months they are reporting a100 % deagratory payment history. So therefore, if the company is not willing to go ahead and report every single month, every single payment down to the dollar this is incomplete and inaccurate, and must be deleted under fair credit reporting act. XXXX FCRA VIOLATION 623, creditors responsibilities. XX/XX/XXXX why was this account being reported from Closed to Open. It has appeared to be closed since XX/XX/XXXX. Over 5 yrs later there is a change? This account is from North Carolina well past the statute of limitations on collecting debt. FCRA VIOLATION OF ILLEGAL AGING! TransUnion accrued a FCRA VIOLATION, Credit due to agencies are required to have procedures in place to prevent incorrect reporting. And prevent harm to consumers. Transunion just reopened a closed account with no notice to consumer ( ME ). This account is also being reported as status update as of XX/XX/XXXX which that status is CHARGE OFF. By reporting this, Transunion, You are reporting that I had a charge off that was very current. Not over five years ago. As any derogatory account is being reported to a credit union, the most current derogatory accounts have the greatest impact on your credit score. FCRA VIOLATION of TransUnion of reporting incorrect information. This account originally came back onto my credit report in XX/XX/XXXX. Every month since XX/XX/XXXX, the status is updated to status updated to of that current month. Once again, re-aging now On a monthly basis. This is also a fair credit reporting act Sense it will attempt to be on my credit report for additional now seven years as of every single month. I have reported this previously to TransUnion annd XXXX for inaccurate information mainly for a reappearing account aka RE-AGING, and needs to corrected. Well, to no such prevail TransUnion reported verified as accurate. while XXXX deleted this account. And this account never reappeared onto XXXX. North Carolina statutes eliminations is only XXXX years So why is it after the statute of limitations is up for debt collection? This account is now re-aged?? Illegal remove Immediately!! This Account is also being reported as past due, which gives the appearance of mis payment history. Once again, another derogatory mark on my credit as of XX/XX/XXXX, which did not occur. As of XX/XX/XXXX, this account is still being reported as opened, which is once again completely incorrect. So TransUnion under FCRA XXXX, This is a reinvestigation, which means you have 15 days to correct or delete. If this count is not deleted within the 15 day time, period I would like to see exactly how this was determined, which is within my right under FCRA XXXX. I want to see everything too include but not limited to payment history balance history status status date All the positive payment history be reinstated and re-added to my XXXX XXXX etc And why this was added back to my TransUnion credit report after it Had already fallen off. And every derogatory mark after XX/XX/XXXX be removed. If this can not be done, theres no other option then to delete this entire account. Once again me, consumer is being harmed due to the fact, I can not utilize credit which would be readily available to me If TransUnion was reporting correctly or if XXXX. North Carolina would report correctly and completely. 

Attachments XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) Hide full complaint What product or service is your complaint about? 
PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? 
Inactive modal Issue Incorrect information on your report Have you already tried to fix this problem with the company? 
Yes Did you request information from the company? 
No XXXX of XXXX XXXX information reappears or never goes away What happened? 
Disputed an account, XXXX that XXXX fallen off my credit report which is now being reported, TransUnion only XXXX as off XX/XX/XXXX as XXXX. Open XXXX. Charge-off XXXX. XXXX XXXX XXXX. XXXX XXXX Account as opened XX/XX/XXXX. XXXX has XXXX XXXX missing payments from XX/XX/XXXX and XX/XX/XXXX, repossession from XX/XX/XXXX and a charge off from XX/XX/XXXX, but not XXXX payment made. So from XX/XX/XXXX to XX/XX/XXXX it is reported as unknown. This is a FCRA XXXX XXXX since this is inaccurate and incomplete since there was over 24 months to be reported. And out of those 24 months, there was only XXXX months reported which were XXXX negative Months. This directly affects my XXXX XXXX due to the fact that payment history is 35 % of anyones XXXX XXXX And since XXXX XXXX XXXX only 4 months they are reporting XXXX % deagratory payment history. So therefore, if the company is not willing to go ahead and report every single month, every single payment down to the dollar this is incomplete and inaccurate, and must be deleted under fair credit reporting act. XXXX FCRA XXXX XXXX, creditors responsibilities. XX/XX/XXXX why was this account being reported from Closed to XXXX. It has appeared to be closed since XX/XX/XXXX. Over XXXX yrs later there is a change? This account is from North Carolina well past the statute of limitations on collecting debt. FCRA VIOLATION OF ILLEGAL AGING! TransUnion accrued a FCRA XXXX, XXXX due to agencies are required to have procedures in place to prevent incorrect reporting. And prevent harm to consumers. Transunion just reopened a closed account with no notice to consumer ( XXXX ). This account is also being reported as status update as of XX/XX/XXXX which that status is CHARGE OFF. By reporting this, Transunion, You are reporting that I had a charge off that was very current. Not over XXXX years ago. As any derogatory account is being reported to a credit union, the most current derogatory accounts have the greatest impact on your XXXX XXXX. FCRA XXXX XXXX TransUnion of reporting incorrect information. This account originally came back onto my credit report in XX/XX/XXXX. Every month since XX/XX/XXXX, the status is updated to status updated to of that current month. Once again, re-aging now On a monthly basis. This is also a fair credit reporting act Sense it will attempt to be on my credit report for additional now XXXX years as of every single month. I have reported this previously to TransUnion annd XXXX for inaccurate information mainly for a reappearing account aka RE-AGING, and needs to corrected. Well, to no such prevail TransUnion reported verified as accurate. while XXXX  deleted this account. And this account never reappeared onto XXXX. North Carolina statutes eliminations is only five years So why is it after the statute of limitations is up for debt collection? This account is now re-aged?? Illegal remove Immediately!! This Account is also being reported as past due, which gives the appearance of mis payment history. Once again, another derogatory mark on my credit as of XX/XX/XXXX, which did not occur. As of XX/XX/XXXX, this account is still being reported as opened, which is once again completely incorrect. So TransUnion under FCRA 611, This is a reinvestigation, which means you have 15 days to correct or delete. If this count is not deleted within the 15 day time, period I would like to see exactly how this was determined, which is within my right under FCRA 611. I want to see everything too include but not limited to payment history balance history status status date All the positive payment history be reinstated and re-added to my credit score etc And why this was added back to my TransUnion credit report after it Had already fallen off. And every derogatory mark after XX/XX/XXXX be removed. If this can not be done, theres no other option then to delete this entire account. Once again me, consumer is being harmed due to the fact, I can not utilize credit which would be readily available to me If TransUnion was reporting correctly or if XXXX. North Carolina would report correctly and completely. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Inactive modal What would be a fair resolution to this issue?

Delete this account immediately. It is a Monthly Reoccurrence of XXXX now North Carolina also reporting incorrect in accurate information causing me harm. TransUnion, you are not following fair credit reporting act Compliances of disputes or Reasonable procedures to prevent in accurate information from being reported and causing harm to consumers. THIS ACCOUNT ALSO APPEARS IN MY POLICE REPORT SINCE THERE IS NO CURRENT NORTH CAROLINA ACCOUNT THAT I OWE. That is not fraudulent information provided by myself, This is 100 % accurate. I do believe this is a fraudulent attempt for XXXX To collect debt that is beyond the statute of limitations for their state. This will also be turned over to the FTC for fraud. 
7 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? 
Company Information XXXX What people are involved? 

Your contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States Your preferred language English Your demographic information Age XXXX XXXXXXXX XXXX XXXX, XXXX, or XXXX XXXX No Race XXXX Household size including total number of adults and children XXXX Combined annual household income {$50000.00} - {$74000.00} Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response In the case of XXXX XXXX XXXX, complaint number XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the validity of her account reported to the credit bureaus. XXXX XXXX purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from the franchise-owned XXXX  location on XXXX XXXX XXXX  XXXX XXXX, NC. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. The vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$8300.00}. The account was charged off on XX/XX/XXXX. Upon receipt of this complaint, the credit bureau disputes team investigated this account and determined it to be valid and reporting accurately. XXXX XXXX has also disputed through the major credit bureaus. Our investigations have consistently verified the accuracy of the reported tradeline. XXXX has spoken directly with XXXX XXXX about these disputes, informing her that we will continue to address her concerns. However, based on our findings, we must emphasize that she indeed owes the debt in question. At XXXX we strive to achieve the highest level of satisfaction with every customer. While we sympathize with XXXX XXXX predicament, XXXX is required by the Fair Credit Reporting Act, as a data furnisher, to provide accurate credit reporting. We can not adhere to her request to have this removed from her credit report. 
Feedback provided Status Feedback provided on XX/XX/XXXX Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint No The company did what they said they would do with my complaint No ADDITIONAL COMMENTS Re-read the complaint...... this was about inaccurate credit reporting. XXXX only reported the alledged delinquency months. This account was also closed XX/XX/XXXX so why was it reopened more then 5 years later?? Statue of liminations have already expired in NC..... So no XXXX through Transunion is being reported inaccurately.... Account is still currently being reported as opened, charged-off, balance due, and only 4 months show which is the alledged degatory months. Also I want to know what the interest was on this account because the balance does not look correct. Open XX/XX/XXXX Charged off XX/XX/XXXX term duration was only 43 months but only 36 % was paid...... and no balance history on file at all...... 

It is obvious that none of my documents where reviewed or took into consideration. THis is just a surface level review of a comparison to their own internal records. Not a proper investigation. 

Also, the last payment, which they had recorded received on XX/XX/XXXX for {$300.00} is not from a sale. THIS IS THE PRINCIPLE ALLOCATION FROM THE XXXX FROM XX/XX/XXXX WHERE XXXX HAD RECORDED THE PAYMENTS I MADE IN XXXX THEN STATED IN XX/XX/XXXX " {$0.00} PAID IN XXXX. '' SINCE THE INTEREST HAD ALREADY ACCURED BY TIME THEY CAUGHT THIS ERROR THEY WHERE UNABLE TO MOVE THE INTEREST ONLY THE PRINCIPLE WHICH WAS INDICATED AS INCORRECT ACCOUNT. 

NOW IF I ACTUALLY HAD NOT PAID THE XX/XX/XXXX PAYMENT TO XXXX THE BALANCE WOULD HAVE INCREASED NOT STAYED THE SAME. 

FACTUALLY FALSE INFORMATION THAT XXXX CONTINUES TO REPORT, XXXX  IS NOT THEIR XXXX NAME OR ASSUMED BUSINESS NAME EITHER. RECORD OF FILED LICENSE WITH NC SECETARY OF STATE DATED XX/XX/XXXX. 

I HAVE PERSONALLY CALLED XXXX XXXX XXXX OCCATIONS AND THEY CAN NOT FIND ME IN THE SYSTEM.. WHY? BECAUSE THIS ACCOUNT DOES NOT EXSIST. THIS ACCOUNT WAS CLEARLY DELETED AND READDED WHEN XXXX HAD TO WRITE IT OFF AS A " CHARGE-OFF '' FOR THE SECOND TIME. LOOK THERE IS NO PAYMENTS HISTORY JUST UNKNOW STATES, NO PAYMENT AMOUNT, NO PAST DUE HISTORY AND THE CHARGE OFF STATUS WAS NOT APPLIED UNTILL XX/XX/XXXX, XXXX YRS LATER. 

THIS ACCOUNT IS NOW BEING REPORTED AS A CHARGE-OFF AND OPEN ACCOUNT, FACTUALLY FALSE INFORMATION. 

THIS ACCOUNT IS NOW REFLECTING MISSING PAYMENTS WHERE AS BEFORE IT WAS NOT. 

THIS IS JUST HARASSMENT BY XXXX FOR REPORTING THEM TO THE ATTORNEY GENERAL, CFPB, FTC, AND NOW FOR BRINGING THE BREACH OF CONTRACT TO DISTRICT COURT IN ILLINOIS.

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