Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting Account : XXXX XXXX XXXX XXXX  I am formally disputing the accuracy and legality of the reporting of the above account. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure maximum possible accuracy and remove any unverifiable, inconsistent, or misleading information. This account violates multiple provisions of the FCRA and should be deleted immediately. 

1. Conflicting Account Status ( Violation of FCRA 1681e ( b ) ) Each bureau reports a different account status : TransUnion : Paid profit and loss / collection charge-off.

Experian : Unpaid balance reported as a loss by credit grantor.

Equifax : Paid charge-off.

An account can not simultaneously be paid and unpaid. These conflicting statuses demonstrate that the information is unreliable and fails the FCRAs maximum possible accuracy standard under 15 U.S.C. 1681e ( b ).

2. Improper Re-Aging and Continued Updating of a Paid Account ( Violations of FCRA 1681c ( a ) ( 4 ) - ( 5 ) and 1681e ( b ) ) The account shows a {$0.00} balance, yet the bureaus continue to update it as Charge-off/Collection as recently as XX/XX/XXXX ( Experian ) and XX/XX/XXXX ( Equifax ). 
Once paid or settled, the account should not continue updating monthly as derogatory. This constitutes illegal re-aging and misrepresents the date of delinquency, violating 1681c ( a ) ( 4 ) - ( 5 ) ( prohibition against outdated or re-aged accounts ) and 1681e ( b ) ( accuracy ).

3. Inconsistent Dates of Last Payment and Activity ( Violation of FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ) ) Reported dates conflict across bureaus : TransUnion : Last Payment XX/XX/XXXX / Last Active XX/XX/XXXX Experian : Last Payment XX/XX/XXXX / Last Active XX/XX/XXXX Equifax : Last Payment XX/XX/XXXX / Last Active XX/XX/XXXX These discrepancies show the data is not being verified or maintained accurately, in violation of 1681e ( b ), and must be corrected or deleted upon reinvestigation as required by 1681i ( a ) ( 1 ) ( A ). 

4. Inconsistent High Credit Amounts ( Violation of FCRA 1681e ( b ) ) The same account lists different high credit amounts : TransUnion : {$3500.00} Equifax : {$800.00} These values can not differ for a single installment account and therefore fail the maximum possible accuracy requirement under 1681e ( b ).

5. Misleading Reporting of a Closed, Paid Account ( Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ) ) This account shows a XXXX  balance but is still coded Derogatory and Charge-off/Collection. Reporting a paid or closed account as currently derogatory is misleading and violates the furnishers duty to report accurate information under 1681s-2 ( a ) ( 1 ) ( A ) and the bureaus duty to ensure accuracy under 1681e ( b ).

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