Consumer complaint received 2025-06-29 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:
I am filing this formal complaint against TransUnion for willful and continued violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i ( a ), due to its inaccurate and misleading reporting of a charged-off account from XXXX XXXX XXXX  XXXX I previously disputed this item directly with TransUnion, yet they have refused to correct or delete the materially inaccurate information. I am requesting the CFPB to investigate this matter and compel TransUnion to delete the account due to the clear violations outlined below. Creditor : XXXX XXXX XXXX  Account No. : XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion is knowingly furnishing and continuing to publish false, outdated, and incomplete data in violation of the FCRA and XXXX XXXX credit reporting standards. Specific issues include : Balance Over Limit : The reported balance of {$560.00} exceeds the credit limit of {$300.00}, suggesting continued accrual of fees/interest post-charge-off without disclosure of any judgment or agreement. This inflates my debt exposure inaccurately. 

Post-Charge-Off Updates : Despite the account being closed and charged off in XXXX, TransUnion continues to update the account monthly with a " Charge-off '' rating through XXXX, which is prohibited under XXXX XXXX XXXX once an account is charged off. 

Misleading Terms Field : The account still shows as Paid Monthly, which implies the account is open or performing, which it is not. This is misleading to creditors and violates the maximum possible accuracy requirement under 15 U.S.C. 1681e ( b ).

Incomplete and Inaccurate Payment History : TransUnion 's reporting omits the transition from current to defaulted status, skipping crucial months that would clarify how and when the account became delinquent. This creates an artificially negative impression on the credit report. 

Use of Non-Standard Remarks : Cryptic remarks such as PRL< and AID/> are meaningless to consumers and most lenders and provide no valid interpretive value. This violates the transparency and accuracy standards required under FCRA. 

Adverse Action Taken : I received a denial letter from XXXX XXXX Lending on XX/XX/XXXX, explicitly referencing TransUnion and Experian as sources used in making the adverse lending decision. This materially inaccurate information directly harmed my access to credit.

Legal Basis for Deletion : 15 U.S.C. 1681e ( b ) : Requires CRAs to maintain procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Requires deletion or correction of inaccurate/incomplete information after a dispute and reinvestigation.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : CRAs may not simply parrot the furnishers version of events ; they must conduct independent, reasonable investigations.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Reporting must be both technically accurate and not misleading. 
I intend to file arbitration if this matter is not resolved properly.

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