Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX Charged-Off Account To Whom It May Concern : I am writing to dispute inaccurate and misleading information being reported on my Equifax credit file regarding a XXXX  XXXX account. This account is marked as Charged Off yet continues to reflect ongoing monthly late payments and derogatory statuses for dates well after the charge-off occurred. 

Specifically, the account reflects : XXXX XX/XX/XXXX : Late Payment notations XX/XX/XXXX XX/XX/XXXX : Derogatory status XXXX XX/XX/XXXX : Unknown status This reporting pattern is factually inaccurate and legally impermissible under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) because a charged-off account can not continue to accrue new monthly late-payment notations post charge-off. This creates a false impression of ongoing delinquency and is a deceptive representation of my payment history. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. 15 U.S.C. 1681i ( a ) also requires Equifax to conduct a reasonable reinvestigation of disputed information and delete or correct it within 30 days. 

Case law supports my position : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), the court held that postcharge-off reporting of new late payments may mislead creditors and can be actionable under the FCRA. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court found that misleading credit reporting that creates a materially false impression of a consumers payment status violates the FCRA. 

The continued monthly reporting of late or derogatory statuses after a charge-off re-ages the debt and falsely suggests ongoing delinquency, which is misleading and damaging to my creditworthiness. 

Demand for Action : 1. Conduct a full reinvestigation of this XXXX XXXX account. 
2. Provide the method of verification you used to confirm the accuracy of the postcharge-off payment reporting.

3. Remove all inaccurate payment history after the charge-off date and correct my credit file accordingly.

4. Provide me with an updated copy of my credit report reflecting these corrections. 

Failure to comply with the FCRA may result in legal action seeking statutory damages, actual damages, attorneys fees, and costs under 15 U.S.C. 1681n & 1681o. 

This letter serves as formal notice under the FCRA. Please respond within 30 days as required by law. 

Sincerely, XXXX 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 non-monetary relief