Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
CFPB Complaint Letter To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Inaccurate/Fraudulent Reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) by TransUnion, Experian, and XXXX  Dear CFPB Investigator, I submit this complaint under the Fair Credit Reporting Act ( FCRA ) regarding the tradeline of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) as reported by TransUnion, Experian, and XXXX. Each CRA reports materially inconsistent and/or fraudulent data, undermining the accuracy and integrity of my consumer credit report. 

Specific Inaccuracies & Conflicts TransUnion : Status alternates between Open Account and Collection/Charge-Off. 

Date Opened reported as XX/XX/XXXX, inconsistent with balance and charge-off history. 

Balance listed as {$1900.00} yet past-due fields contradict the reported charge-off. 

Last Reported ( XX/XX/XXXX ) conflicts with XXXX XX/XX/XXXX and with activity dates. 

Two-year payment history includes fabricated derogatories not supported by records. 

Experian : Status fluctuates between Closed and Collection/Charge-Off. 

Contradictory Date Last Active fields and missing payment data. 

Payment history misaligned with alleged charge-off dates ; lates inconsistent with ledger. 

Remarks differ from TU and XXXX, showing failure of standardized reporting. 

XXXX  : Account listed as Open while simultaneously derogatory and charged-off. 

Payment Status shows Late 120 Days, conflicting with TUs charge-off coding. 

Date Last Active ( XX/XX/XXXX ) predates the charge-off, creating a logical impossibility. 

Two-year history shows derogatory reporting that overlap with months marked as XXXX, suggesting false coding. 

FCRA & FTC Violations 1681e ( b ) : CRAs failed to follow reasonable procedures to assure maximum possible accuracy. 

XXXX ( a ) : Right to reinvestigation within 30 days ignored ; inaccurate data continues to be published. 

1681i ( a ) ( 5 ) ( A ) : Mandates deletion of unverifiable information.

1681s-2 ( a ) : Prohibits furnishers from knowingly reporting inaccurate information.

1681s-2 ( b ) : Requires furnishers to investigate and correct upon dispute.

1681c ( a ) : Restricts outdated negative information.

1681n & 1681o : Civil liability for willful or negligent noncompliance.

FTC Act ( 15 U.S.C. 45 ) : Prohibits deceptive and unfair practicespublishing contradictory, misleading data across CRAs is deceptive.

Demands & Proposed Resolution Immediate reinvestigation of this tradeline under 1681i ( a ) ( 1 ). 

Require full validation : original signed credit agreement ( with my signature ), complete payment ledger, charge-off documentation, and full chain of ownership/assignment of the account. 

If unverifiable, delete the tradeline from all CRA

s under 1681i ( a ) ( 5 ) ( A ). Provide the method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ), including names/addresses/phones of sources and copies of all doc
uments relied upon.

Issue free updated credit reports showing the deletion/correction and notify prior report recipients under 1681i ( d ). 

Require XXXX XXXX XXXX and the CRAs to conduct a documented ACCOUNT AUDIT explaining why contradictory statuses, dates, balances, and histories were furnished. 

Conclusion : This account as currently reported is materially inaccurate, misleading, and potentially fraudulent. It continues to harm my ability to obtain credit and violates both the FCRA and FTC Act. I request CFPB oversight and enforcement to compel full compliance. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX  ] Attachments : Annotated TransUnion, Experian, and XXXX  screenshots for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # 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 explanation