Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
Dear TransUnion, I would like to bring to your attention a discrepancy between the last active dates reported by XXXX and TransUnion for the charged-off XXXX account ( account number XXXX ). XXXX is reporting the last active date as XX/XX/XXXX, while TransUnion is reporting XX/XX/XXXX. This inconsistency is concerning as it suggests a re-aging of the debt, which would be in violation of the Fair Credit Reporting Act ( FCRA ). 

The difference in reporting dates between credit bureaus can lead to confusion and potential errors in my credit history. It is imperative that all information is consistent and accurate across all bureaus. Therefore, I am requesting that TransUnion investigate this matter and ensure that the reporting aligns with the accurate date of the original delinquency. 

Please provide me with documentation that verifies the last active date as reported by TransUnion. If this date is found to be inaccurate, I request that it be corrected to match the correct date of delinquency and that any re-aged information be removed from my credit report. 

t. According to my credit report, the last active date on this account was changed, which I believe is incorrect and constitutes re-aging of debt, in violation of the Fair Credit Reporting Act ( FCRA ). 

As per Section 605 of the FCRA, the seven-year reporting period begins 180 days after the start of the delinquency that led to the charge-off. Any change to the last active date that extends this period could be considered a violation of the FCRA. Here is the specific language from the statute : ** 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ** ( c ) Running of reporting period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

I have previously disputed this information with the TransUnion, and now I am formally requesting that TransUnion provide me with the following : A detailed statement of the account, showing the date of the original charge-off and all subsequent activities.

If you can not provide these documents or if you find that the account has been reported inaccurately, I request that the account be removed from my credit report.

Please conduct a thorough investigation into this matter and respond within 30 days from the receipt of this letter. I have also filed complaints with the attorney general regarding this issue.

please see attached a copy of my credit report showing the inconsistency between TransUnion and XXXX

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