Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
CFPB COMPLAINT XXXX XXXX XXXX/ Affirm Inventables ( Detailed No Reinsertion Version ) Complainant : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX | SSN ( last XXXX ) : XXXX Phone : XXXX | Email : XXXX Credit Bureau : TransUnion LLC Debt Collector : XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ) Original Creditor : XXXX  XXXX  Date : XX/XX/XXXX Summary of Complaint : This complaint concerns TransUnions continued reporting of an inaccurate and unlawfully reaged collection account furnished by XXXX XXXX XXXX, referencing Affirm Inventables as the original creditor. The account reflects numerous factual and regulatory violations under the Fair Credit Reporting Act ( FCRA ), including improper reaging, false balance fields, duplicate reporting, misleading update dates, and failure to perform a lawful human reinvestigation. Despite previous disputes, TransUnion has not produced documented verification or proof from the furnisher and continues to rely on automated systems. 
Numbered FCRA Violations : # Violation FCRA Section XXXX Illegal ReAging / Inaccurate DOFD ( Removal XX/XX/XXXX vs. Open XX/XX/XXXX ) 623 ( a ) ( 5 ) ( A ), 605 ( a ) 2 Improper 'Past Due " Field on a Collection Account 607 ( b ) 3 Failure to Conduct a Human Reinvestigation 611 ( a ) 4 False 'Date Updated " Activity ( XX/XX/XXXX ) 607 ( b ) 5 Duplicate Reporting Between XXXX XXXX and XXXX XXXX 607 ( b ), 623 ( a ) ( 2 ) Detailed Findings : 1 The account shows Date Opened XX/XX/XXXX and Removal Date XX/XX/XXXX, which violates XXXX ( a ) ( XXXX ) ( A ) by unlawfully reaging the tradeline. The DOFD must be inherited from the original Affirm Inventables delinquency, not XXXX XXXX purchase date. 
XXXX The account lists both 'Collection ' and 'Past Due : {$1400.00} ', which is inconsistent with XXXX reporting standards. Collections are already delinquent and can not carry a 'past due ' field under 607 ( b ).

3 The remark 'Account information disputed by consumer ( FCRA ) ' indicates prior disputes, yet TransUnion failed to conduct a manual reinvestigation as required by 611 ( a ). No humanverified documentation was provided, confirming reliance on automated XXXX  verification. 
XXXX The Date Updated : XX/XX/XXXX falsely refreshes the tradeline, making it appear recent and actively delinquent when it is static. This manipulation violates the duty of accuracy under 607 ( b ). 
XXXX Both XXXX XXXX and XXXX XXXX appear on the credit file reporting the same {$1400.00} balance. Once sold, the original creditor must report a {$0.00} balance. Failure to do so constitutes duplicate reporting and a violation of 607 ( b ) and 623 ( a ) ( 2 ). 
Requested Resolution : I request that the Consumer Financial Protection Bureau direct TransUnion to : Perform a manual, humanverified reinvestigation under 611 ( a ), obtaining documentary proof directly from XXXX XXXX XXXX and Affirm Inventables. 
If documentation can not be produced, permanently delete this tradeline in accordance with 611 ( a ) ( 5 ) ( A ). 
Enforce a No Reinsertion Clause : under 611 ( a ) ( 5 ) ( B ), TransUnion shall not reinsert the tradeline unless the furnisher provides written certification of accuracy and TransUnion provides written notice within 5 business days. 
Correct the DOFD to accurately reflect XXXX XXXX original delinquency date to comply with the sevenyear rule under 605 ( a ).

Eliminate the 'Past Due ' field and prevent any further unlawful 'date refreshing ' activity. 
Provide documentation confirming whether automated systems such as XXXX  were used, and identify the TransUnion employee or department responsible. 
Acknowledge statutory damages of {$1000.00} per violation 5 = {$5000.00}, bringing my total TransUnion cumulative total to {$34000.00}. 
Supporting Evidence Attached : TransUnion credit report screenshots showing XXXX XXXX/ XXXX XXXX tradeline Prior dispute correspondence to TransUnion Affirm Inventables original account details Automated dispute responses from TransUnion ( XXXX  ) This CFPB complaint and verification demand letter Declaration : I affirm that the information in this complaint is true and accurate to the best of my knowledge. I request the Consumer Financial Protection Bureau ensure full compliance with the Fair Credit Reporting Act, including correction or permanent deletion of the inaccurate, unlawfully reaged XXXX XXXX XXXX tradeline. This complaint is executed and dated on XX/XX/XXXX. 
Signature : ___________

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