Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Subject : CFPB XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Account XXXX, False Denial, and Inaccurate Furnishing of Credit Data To Whom It XXXX Concern, I am filing this complaint against XXXX XXXX XXXX XXXX Bank XXXX for XXXX, misleading, and duplicate information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Nature of the Dispute : XXXX Bank XXXX has XXXX XXXX accounts to the credit bureaus with the following identifiers : Original Account Number : XXXX Replacement Account Number : XXXX The account ending in XXXX was closed and replaced by account XXXX, but both accounts remain on my credit report, with overlapping data and payment histories, including late payments, as if they are XXXX distinct and active accounts. This is inaccurate, misleading, and duplicative. 

Targets Response False Denial of Account In response to a prior CFPB complaint, Target responded by stating : We were unable to locate a credit account beginning in XXXX for you. 

However, my attached TransUnion credit report ( included in this complaint ) clearly shows that XXXX Bank XXXX XXXX XXXX data for account XXXX, with the following details : Opened XX/XX/XXXX Closed XX/XX/XXXX Late payments reported in XXXX XXXX and XXXX XXXX Status : Paid, Closed ; was Paid as agreed Remarks : CLOSED BY XXXX XXXX Simultaneously, the account ending in XXXX shows : The same open/close dates, same payment history, and same credit limit ( {$3600.00} ) This directly contradicts Targets assertion and shows that they are actively reporting this account while simultaneously claiming it does not exist. 
Legal Violations : Under the FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from providing information that is inaccurate or incomplete.

15 U.S.C. 1681i ( a ) requires reasonable investigation and correction of disputes.

Reporting duplicate accounts with the same history and late payments creates the false appearance of multiple derogatory items on my credit profile, which artificially damages my creditworthiness and is legally improper.

Furthermore, continuing to deny the existence of a reported account after receiving a dispute and documented proof borders on willful noncompliance, which could fall under 15 U.S.C. 1681n, allowing for statutory damages. 

Requested Resolution : I respectfully request that the CFPB XXXX XXXX Bank XXXX XXXX XXXX Acknowledge the existence of account number XXXX, as reported to credit bureaus. 

Correct the record by removing any duplicate entries, including any late payments attributed to both accounts. 

Consolidate all history under the valid account number ( XXXX ) and permanently suppress the duplicate/closed account ( XXXX ) from being treated as a separate tradeline. 

Provide written confirmation of these corrections to me and all consumer reporting agencies. 

Supporting Evidence : Attached credit report showing both accounts reported by XXXX, including payment histories and overlapping details.

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