Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC XX/XX/XXXXXXXX XXXX, PA XXXX Re : Formal XX/XX/XXXX Dispute XXXX XXXX Account Reporting Errors To Whom It May Concern, This is myXX/XX/XXXX andXX/XX/XXXXdispute concerning the inaccurate reporting of my XXXX XX/XX/XXXX account. Despite XXXX prior investigations,XX/XX/XXXX and XX/XX/XXXX continue to report information that is inconsistent, unverifiable, and in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Violations & Inaccuracies Documented Based on my recent XXXXbureau report, the following discrepancies are evident : Conflicting Account Status TransUnion reports the account as Open/Collection. 

XX/XX/XXXX reports the account as Closed/Charge-Off. 
These conflicting statuses prove the account can not be verified. 

Inconsistent Last Activity & Reported Dates TransUnion lists last activity on XX/XX/XXXX. 

XX/XX/XXXXlists last activity on XX/XX/XXXX but shows a reported date of XX/XX/XXXX. 
Such contradictory timelines violate FCRA XXXX ( b ) ( failure to ensure maximum possible accuracy ). 

Misstated Payment HistoryXX/XX/XXXX inaccurately reports continuous XX/XX/XXXX charge-off notations for nearly XXXX years. 

TransUnion does not reflect these notations at all. 
This is a misrepresentation of historical payment accuracy. 

Balance & Remarks InconsistenciesXX/XX/XXXX remarks state Unpaid balance reported as a loss by credit grantor while still reporting a balance of {$8300.00}. 

If XXXX XXXX has charged off this account and written it off as a profit and loss ( XX/XX/XXXX& XX/XX/XXXX ) for tax purposes, then continuing to report an outstanding past due balance to credit bureaus constitutes double-dipping and potential tax fraud. 

A creditor can not simultaneously claim a tax deduction for a loss and continue to represent the same account as collectible debt. Doing so misleads the consumer, the IRS, and the credit reporting system. 

Legal Basis Your continued reporting of unverifiable, contradictory, and misleading information violates : FCRA XXXX failure to delete unverifiable information after dispute. 

FCRA XXXX ( b ) failure to ensure maximum possible accuracy. 

FCRA XXXX failure of furnishers to provide accurate, consistent updates. 

Additionally, the practice of reporting a charged-off account as both a tax loss and an outstanding balance constitutes false representation and may be subject to IRS fraud scrutiny. 

Demand for Immediate Deletion I demand that these inaccuracies be corrected by permanent deletion of the XXXX XXXX account from myXX/XX/XXXX and XX/XX/XXXX credit files. If you can not provide verifiable documentation from the original creditor confirming accuracy, you are required by law to delete the account. 

Failure to comply within the XXXXday timeframe will result in formal complaints to the CFPB, FTC, the IRS, and my State Attorney Generals office, in addition to potential legal action for statutory and punitive damages under FCRA XXXX and XXXX. 

I have attached supporting evidence, including side-by-side bureau comparisons highlighting the violations.

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