Consumer complaint received 2025-12-05 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: NY

Complaint narrative:
I submitted disputes regarding specific tradelines furnished by XXXX XXXX ( XXXX Auto ) and XXXXXXXX XXXX XXXX through the CFPB portal and by direct written communication. The furnishers have not provided any investigation results or dispute responses in the CFPB portal or by mail. 

While these disputes remained unanswered, I received alerts from my credit monitoring services showing that the furnishers changed the reporting information on the disputed tradelines. These changes occurred after disputes were submitted and before any dispute investigation results were provided. 

Below is a side-by-side summary of these contradictions, obtained from XXXX separate credit monitoring platforms on the same dates. These screenshots reflect post-dispute modifications and show XXXX different versions of the same accounts furnished by XXXX XXXX and XXXX Bank Delaware. 



XXXX XXXX SAME ACCOUNT, XXXX DIFFERENT REPORTS XXXX  ( XXXX  XXXX ) Status : Closed / {$0.00} balance Remark : Account disputed meets FCRA requirements Last Payment Date : XX/XX/XXXX Date Reported : Older prior reporting XXXX XXXX ( TransUnion feed ) Status : Charge-off / Collection Remark : Profit and loss write-off / Needs attention Last Payment Date : XX/XX/XXXX Date Reported : Recently updated to XXXX Contradictions ( same account, same furnisher, same date ) Closed vs Charge-off Meets FCRA requirements vs Profit and loss write-off Same last payment date, different Date Reported Modified post-dispute, no dispute results provided XXXX XXXX  SAME ACCOUNT, XXXX DIFFERENT REPORTS XXXX XXXX XXXX  XXXX ) Status : Charge-off as bad debt Remark : Account information disputed meets FCRA requirements Worst Payment Status : Unknown XXXX XXXX ( TransUnion feed ) Status : Needs attention / Collection Remark : Profit and loss write-off / Potentially negative Worst Status : Negative / Charge-off Contradictions ( same account, same furnisher, same date ) Charge-off as bad debt vs Needs attention / collection Meets FCRA requirements vs Profit and loss write-off / Potentially negative Unknown severity vs explicit Negative / Charge-off In addition, XXXX XXXX previously responded in writing stating that they are not responsible for how long the credit reporting agencies report a credit, implying that they do not control or correct information once furnished. Under the Fair Credit Reporting Act, furnishers must correct, update, delete, and ensure accuracy of information they furnish. 

Relevant FCRA provisions implicated by these facts include : FCRA 611 ( a ) ( 1 ) ( A ) reasonable investigation required FCRA 611 ( a ) ( 2 ) must report results of investigation to the consumer FCRA 611 ( a ) ( 5 ) must correct or delete inaccurate or unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) can not furnish information known to be inaccurate FCRA 623 ( a ) ( 2 ) must update and correct information that is incomplete or inaccurate These tables demonstrate that the same furnisher is reporting XXXX different versions of the same accounts at the same time. Tradeline information must be accurate and consistent, and furnishers can not modify reporting during an active dispute without providing written dispute results.

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