Consumer complaint received 2025-10-23 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:
CFPB Complaint TransUnion XXXX XXXX XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This complaint is being filed against XXXX XXXX XXXX XXXX and TransUnion for furnishing inaccurate and reaged account data in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. The reported tradeline contains inconsistent dates and factual inaccuracies that distort the consumers payment history and extend derogatory reporting beyond the lawful sevenyear limit. 
Account Details ( Vertical Format ) XXXX XXXX XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX Last Payment Made XX/XX/XXXX Date Updated XX/XX/XXXX Balance {$2900.00} High Balance ( Hist. ) High balance of {$4700.00} from XX/XX/XXXX to XX/XX/XXXX Loan Type Secured Installment Account Pay Status Chargeoff Error Description Summary : Account shows 'Date Closed : XX/XX/XXXX ' but continues reporting through XX/XX/XXXX, exceeding the permissible 7year reporting window.

Details : This reaging of derogatory data extends beyond FCRA limitations, distorts the payment history, and violates Metro 2 data integrity standards. The tradeline inconsistently reports balance, high balance, and update dates despite being closed for over three years. 
FCRA / Metro 2 Violations FCRA Sections Violated : 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ( A ).

Metro 2 Violations : Base Segment date inaccuracies ; improper DOFD reporting ; failure to suppress closed account ; continued data furnishing beyond lawful time period.

Requested Correction Correction Demanded : Provide verified Date of First Delinquency ( DOFD ) supported by documentation.

Immediately cease furnishing new data on this closed account and remove all reaged or contradictory reporting. If the accuracy can not be verified through humanreviewed documentation, delete the tradeline under 611 ( a ) ( 5 ) ( A ).

Requested Action I request the CFPB ensure TransUnion and XXXX XXXX XXXX XXXX perform a humanreviewed reinvestigation under FCRA 611 ( a ), provide the verified Date of First Delinquency ( DOFD ), and cease furnishing new data for this closed account. If the accuracy of the data can not be verified, the tradeline must be deleted under 611 ( a ) ( 5 ) ( A ). 
Statement of Harm TransUnion and XXXX XXXX XXXX XXXX continued furnishing of inaccurate and reaged data has caused credit damage, financial loss, and emotional distress. These actions constitute knowing and willful noncompliance under FCRA 616617, entitling the consumer to statutory and punitive damages. 
Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : ___________________________

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