Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
Account : XXXX  XXXX XXXXXXXX Report Date : XX/XX/XXXX The entry contains serious inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, including 1681e ( b ) and 1681i. 

XXXX. Inflated/Erroneous Balance Transunion is reporting a Reported balance and Past due amount of {$30000.00}, while the original balance was {$15000.00}. This represents more than a XXXX XXXX increase without supporting documentation. Unless the furnisher can provide lawful, contracted interest and fee calculations justifying this amount, the figure is inaccurate and misleading. 

XXXX. Contradictory Status The tradeline lists the Account Status as Closed and simultaneously reports a Past Due Amount of {$30000.00} as of XX/XX/XXXX. 
A closed or charged-off account can not simultaneously be reported as open and currently past due. This is contradictory and misleading to creditors. 

XXXX. Date Verification Date of last payment : XX/XX/XXXX Date reported : XX/XX/XXXX I request verification of the Date of First Delinquency ( DOFD ) to ensure that the account is not being illegally re-aged. Under FCRA 605, the account must be removed XXXX ( XXXX ) years from the DOFD, not from the date of last update. 

XXXX. Requested Resolution Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), please conduct a reinvestigation and : Correct the tradeline to reflect accurate balance terms and remove the past due notation after charge-off ; or If the debt was sold or transferred, update to Transferred/Sold {$0.00} balance and remove any amount due ; or If the furnisher can not substantiate the reported amounts and status with proper records, delete the tradeline entirely. 

XXXX. Required Disclosures Under 611 ( a ) ( 6 ) ( B ) ( iii ), I request : The results of your investigation in writing ; The method of verification, including the name, address, and telephone number of the furnisher you verified with ; and An updated copy of my credit report. 

This request is based on the recent deletion of the same account by XXXX, XXXX of the XXXX major credit reporting agencies. I disputed a chargeoff for {$30000.00} from XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

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 explanation