Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information in my credit report dated XX/XX/XXXX ( File # XXXX ). Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( a ) and XXXX ( a ), I request a thorough reinvestigation and correction or removal of the following items : ________________________________________ XXXX. XXXX XXXX XXXX BANK XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charged-Off, Past Due {$3300.00} Dispute Reason : Account reflects extended periods of charge-off without updated validation of debt ownership or repayment activity. I request documentation of charge-off balance calculation and proof of liability. If not verified, it must be removed under 1681i ( a ). 
________________________________________ XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : Charged-Off, Past Due {$8700.00} Dispute Reason : The charge-off and past due amount appear inflated and have not been adjusted despite the account being closed in XXXX. Please validate the balance and date of first delinquency under 1681c ( a ) ( 4 ). 
________________________________________ XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off with Repossession Code Dispute Reason : The record is inconsistent : it shows the account was paid in full yet marked as charged-off. Please verify the legal accuracy of this status ; if unverifiable, it must be corrected or deleted. 
________________________________________ XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Transferred ; was Charged-Off Dispute Reason : This item is duplicative, as the same debt is now listed with Absolute Resolutions. Reporting both is misleading and may violate 1681s-2 ( a ) ( 1 ) ( A ). Please remove the outdated tradeline or clarify its status. 
________________________________________ XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charged-Off, Past Due {$6000.00} Dispute Reason : This account was previously disputed but remains unresolved with unchanged reporting. Please provide itemized validation of the debt or remove the account in accordance with 1681i. 
________________________________________ XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : Charged-Off, Balance {$8900.00} Dispute Reason : The payment history appears inconsistent with the account closure date. Please confirm charge-off legality and remove if found inaccurate. 
________________________________________ XXXX. XXXX XXXX XXXX XXXX ( XXXX Accounts ) Accounts # XXXXXXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charged-Off Dispute Reason : The accounts show continuing negative history post-closure. If no updated activity or ownership can be verified, remove derogatory entries under 1681c and 1681i. 
________________________________________ 8. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Collection, Balance {$10000.00} Dispute Reason : This item appears to duplicate the previously charged-off Customers Bank account XXXX Without clear documentation of ownership transfer and chain of custody, it must be removed.

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