Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Respondent : XXXX XXXX XXXX ( DFS ) Account # : XXXX I. XXXX XXXX of Violations XXXX. Fraudulent Account Timeline Manipulation Conflicting Opening Dates : XX/XX/XXXX Letter : Correctly states account opened XX/XX/XXXX. 
XX/XX/XXXX XXXX : Falsely claims account opened XX/XX/XXXX ( XXXX fabrication ). 
XX/XX/XXXX XXXX : Reverts to accurate XX/XX/XXXX date after being challenged. 
XXXX XXXX : XXXX used false " XX/XX/XXXX '' date to artificially extend delinquency timeline by 10 months. 
Created illusion of XXXX delinquency ( vs. actual 16 months ) to justify " charged off '' status. 
B. Debt Cancellation & Ongoing Harassment IRS XXXX Issuance ( XX/XX/XXXX ) : Legally canceled {$2600.00} debt under 26 U.S.C. 6050P. 
XXXX continued collection efforts through XX/XX/XXXX ( 3 months post-cancellation ). 
Defective Dispute Process : XXXX Disputes Ignored : Certified mail, CFPB portal ( Case # XXXX ), e-OSCAR. 
DFS Responses : XX/XX/XXXX : " Account opened XX/XX/XXXX ... balance valid '' ( fraudulent timeline ). 
XX/XX/XXXX : " Account opened XX/XX/XXXX '' ( partial correction while maintaining false 'charged off ' status ). 
XXXX. Legal Violations A. FCRA 1681s-2 ( a ) ( XXXX ) ( A ) : Fabricated Data : Willful misrepresentation of account opening date to credit bureaus. 
Precedent : XXXX v. XXXX & XXXX ( XXXX ) Creditors liable for " reckless disregard '' of accuracy. 
XXXX Texas Finance Code 392.304 ( a ) ( XXXX ) : Deceptive Trade Practice : Alternating dates created artificial delinquency narrative. 
XXXX. ECOA 1691 ( d ) ( 1 ) : XXXX Discrimination : Disproportionate harm to medically vulnerable consumer through convoluted disputes. 
D. GLBA 6802 : Data Weaponization : Exploited SSN/DOB to harass post-debt cancellation despite XXXX Privacy Policy. 
XXXX. Documented Harm Impact Evidence Credit Collapse ( TransUnion XXXX ) XX/XX/XXXX credit report showing DFSs {$2600.00} " charged off '' balance Medical Loan Denial Upgrade, XXXX rejection letter ( XX/XX/XXXX ) citing credit report XXXX XXXX XXXX Bank XXXX XXXX XXXX ( XX/XX/XXXX ) for collateral-backed card Emotional Distress Hospital records linking stress to accelerated XXXX failure IV. Demands for Relief Immediate Corrective Action ( 14 Days ) : Update all credit bureaus to : {$0.00} balance " Canceled '' status ( Code XXXX ) Standardized XX/XX/XXXX opening date Delete all references to " XX/XX/XXXX '' and " charged off '' coding. 
Cease-and-Desist Directive : Effective immediately, I demand XXXX XXXX XXXX and XXXX XXXX XXXX parties : Cease Reporting Inaccurate Information : Remove all inaccurate, incomplete, or unverifiable information from my consumer file. 
Cease Unauthorized Data Sharing : Stop sharing my personal information with unauthorized third parties. 
Cease Unauthorized Inquiries : Prevent any unauthorized inquiries into my consumer file. 
Provide a detailed list of all entities that have accessed my file within the last 12 months. 
Failure to comply with this directive will result in further action, including filing complaints with the CFPB, FTC, and Texas Attorney Generals Office, as well as pursuing legal remedies for damages caused by noncompliance. 

Financial Restitution : {$100000.00} Total : {$35000.00} ( XXXX XXXX XXXX {$20000.00} ( emotional distress ) {$50000.00} ( punitive damages under FCRA 1681n ) Regulatory Action : CFPB : Audit DFSs XXXX account date reporting under Circular XXXX. 
Texas XXXX : Impose penalties under XXXX. Fin. Code XXXX ( $ XXXX ). 
V. Evidence Attachments DFS Letters : XX/XX/XXXX ( accurate date ) XX/XX/XXXX ( fraudulent " XX/XX/XXXX '' claim ) XX/XX/XXXX ( partial correction ) IRS Form XXXX ( XX/XX/XXXX ) TransUnion Report ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX CFPB Portal Submission

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