Consumer complaint received 2025-11-03 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: CO

Complaint narrative:
Yes, based on the analysis of your credit report, there are several significant inconsistencies and potential errors that could be violating the Fair Credit Reporting Act ( FCRA ) requirement for maximum possible accuracy. 
These errors primarily involve contradictions in dates and amounts, especially for closed or charged-off accounts. 
Here is a summary of the accounts with errors and the specific discrepancies found : XXXX. XXXX XXXX ( Installment Account ) * Contradictory Dates : The account reports a " Date Closed '' of XX/XX/XXXX, yet it shows account activity, including historical high balance updates and payments, occurring after this date ( up to XX/XX/XXXX ). 
* Contradictory Payment : It lists a " Last Payment Made '' date of XX/XX/XXXX, but the " Payment Received '' amount is listed as {$0.00}. 
XXXX. XXXX XXXX XXXX ... ( XXXX XXXX Credit Card - Closed/Charged Off ) * Balance Exceeds Limit : The reported Balance ( {$730.00} ) is higher than the historical Credit Limit XXXX {$500.00} ). This often indicates the continuous reporting of accrued post-charge-off interest or fees, which must be clearly verified. 
XXXX Post-Closure Updates : The account was Closed in XX/XX/XXXX, but continuous updates to the payment history remarks ( e.g., XXXX, XXXX, XXXX ) are reported through XX/XX/XXXX. This suggests inaccurate or continuous re-reporting of status long after the account was finalized. 
XXXX. XXXX XXXX XXXX ... ( Credit Card - Closed/Charged Off ) * Balance Exceeds Limit : The reported Balance ( {$890.00} ) is higher than the historical Credit Limit XXXX {$600.00} ). 
XXXX Post-Closure High Balance Updates : The account was Closed in XX/XX/XXXX, but the historical high balance of {$890.00} is reported as updated between XX/XX/XXXX and XXXX XXXXnearly two years after the closure date. 
XXXX Post-Closure Remarks : Similar to the other XXXX XXXX account, continuous updates to payment history remarks are reported through XX/XX/XXXX, long after the account was closed. 
XXXX. XXXXXXXX XXXX ( Credit Card - Closed/Charged Off ) XXXX  Balance Exceeds Limit : The reported Balance ( {$2400.00} ) is higher than the historical Credit Limit ( {$2000.00} ). 
XXXX Post-Closure High Balance Updates : The account was Closed in XX/XX/XXXX, but the historical high balance of {$2400.00} is reported as updated between XX/XX/XXXX and XXXX XXXXnearly two years after the closure date. 
These inconsistencies constitute grounds for a formal dispute under the FCRA. You have the right to demand that the credit bureau ( TransUnion ) and the data furnisher investigate these specific points for accuracy. If they can not verify the accuracy of all disputed data points, the entry must be corrected or deleted.

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