Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13563259

Complaint Overview

Complaint ID: 13563259

Company: Transunion Intermediate Holdings, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Michigan

ZIP Code: 483XX

Date Received: 2025-05-16T12:00:00-05:00

Date Sent to Company: 2025-05-16T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Let it be absolutely clear : This is not my first complaint against TransUnionbut it is further proof that your so-called investigations are nothing more than rubber-stamped validations of incorrect, damaging information. This is yet another formal dispute and complaint specifically against TransUnion for its ongoing failure to correct blatantly inaccurate and harmful credit reportingeven after multiple prior investigations and irrefutable evidence have been submitted. On XX/XX/XXXX, TransUnion issued an investigation result verifying the XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX ) as accurate and updated. However, the updated reporting itself is contradictory and contains false data that has caused measurable harm to my credit and financial wellbeing. How is it even possible that TransUnion continues to verify this account as accurate while completely ignoring the written letter from the creditorXXXX XXXXthat directly proves the reporting is false? This raises serious concerns about whether any real investigation took place at all, and whether TransUnion is simply auto-validating data without reviewing the documented evidence submitted by the consumer. Factual Issues : The account was charged off in XX/XX/XXXX per documentation provided directly by XXXX XXXX. No payments have been made since XX/XX/XXXX. XXXX stated in writing that the account was placed with XXXX for collection twiceon XX/XX/XXXX, and again on XX/XX/XXXX. Despite that, XXXX is still reporting the account as active on my TransUnion report with a past due balance of {$2500.00}, ongoing monthly updates as if its currently delinquent, and a payment received date of XX/XX/XXXX, all while maintaining a charge-off status. XXXX has never contacted me, never sent required debt validation letters, and has never appeared on my credit report. This raises serious concerns about whether the collection placements actually occurredor whether XXXX is fabricating activity to justify continued reporting. This reporting is not only misleading, it directly contradicts documentation from the original creditor, XXXX XXXX, which has confirmed the following : Your account was charged off on XX/XX/XXXX The last successful payment was XX/XX/XXXX The account was placed with XXXX collection agency on XX/XX/XXXX, and again on XX/XX/XXXX. Despite that, XXXX continues to report this same account to TransUnion as if it is both active and collectible. They admit they no longer own it, having placed it with XXXX twice, yet they are still furnishing updatesincluding a balance and monthly delinquencywith no legal basis. Furthermore : XXXX has never contacted me, never sent required FDCPA debt validation notices, and never appeared on my credit report. There is no evidence of any legal ownership by XXXX after XXXX. Reporting monthly delinquency after charge-off, especially without any renewed activity, is a clear violation of XXXX XXXX and illegal re-aging under FCRA XXXX XXXX a ) ( XXXX ) Whats Not Factually Accurate in TransUnions Reporting : XXXX. Past Due Balance of {$2500.00} : TransUnion reports a continuing past due balance even though XXXX XXXX confirmed the account was charged off on XX/XX/XXXX and there have been no payments since XX/XX/XXXX. After charge-off, unless there is a new repayment agreement, no past due balance should be reported. This is misleading and violates XXXX XXXX standards. XXXX. Ongoing Delinquency Updates Through XX/XX/XXXX : TransUnion shows monthly charge-off updates through XXXX, falsely implying that the account is still actively delinquent. In reality, the account has been inactive since XXXX, with no new account activity or payments in over four years. This constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ). 3. Contradictory Trended Payment Data : TransUnion simultaneously reports the account as charged off as bad debt while listing certain months ( like XX/XX/XXXX ) as XXXX. This creates a confusing and factually impossible profile, which misrepresents the true status of the account. XXXX. Ownership Misrepresentation : TransUnion shows XXXX XXXX as the current reporting creditor, even though XXXX stated the account was placed with XXXX in XXXX and again in XXXX. If the debt was sold or assigned, XXXX should no longer be furnishing any data. TransUnion is knowingly reporting data from a creditor who no longer has legal authority over the debt. XXXX. Failure to Reflect Sale or Transfer : The tradeline fails to indicate that the account was sold or transferredeven though XXXX explicitly stated this. Failing to report a change in ownership misleads creditors and violates the completeness requirement of FCRA 1681e ( b ). 6. Verification Without Valid Documentation : TransUnion marked the account as verified and updated on XX/XX/XXXX, but has not shown what documentation was used to verify the reporting. Meanwhile, the letter from XXXX proves the reporting is false. This is not a proper reinvestigation under FCRA 1681i ( a ). Legal Violations : FCRA 1681i ( a ) ( 5 ) ( A ) : Inaccurate or unverifiable information must be corrected or deleted. TransUnion failed to do so despite irrefutable evidence. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers are prohibited from reporting information they know or should know is inaccurate. FCRA 623 ( a ) ( 5 ) : Re-aging of delinquency dates is illegal. The original date of delinquency must remain unchanged. XXXX XXXX Guidelines : Charged-off accounts must reflect {$0.00} past due unless under active repayment. Continuing to report new delinquencies or balances post charge-off violates industry standards. FDCPA 809 ( a ) : Debt collectors must send written validation notices within 5 days of placement. None were received from XXXX. I have disputed this account repeatedly. I have provided direct, written proof that contradicts TransUnion 's reporting. XXXX XXXX itself confirmed the account was charged off in XX/XX/XXXX, with no payments since XX/XX/XXXX, and that the account was placed with XXXX twicefirst in XXXX and again in XXXX. Yet despite this, XXXX is still reporting this account on my TransUnion credit report as active and past due, even though they admit in writing that the debt was no longer in their possession. If they sold it, they have no legal right to continue updating or verifying it. And if they didnt sell it, then they have violated the Fair Debt Collection Practices Act by falsely claiming it was placed for collectionwithout any notice to me or debt validation from the agency. This ongoing false reporting has done severe damage to my creditworthiness. I have been denied loans, faced higher interest rates, and suffered emotional and financial stress as a result. The continued presence of this inaccurate tradeline, especially after over four years of disputes and documented evidence, is both negligent and unlawful. TransUnions refusal to correct or delete this account is a gross violation of the FCRA, XXXX XXXX, and basic consumer protection standards. I am demanding a full regulatory investigation and immediate removal or correction of this tradeline to reflect the truthor delete it entirely. My rights as a consumer have been ignored long enough. I am demanding the full and immediate removal or correction of this tradeline from my TransUnion credit report. I also request copies of all documents and verification methods used by TransUnion during the XXXX XXXX reinvestigation. Additionally, I demand a formal audit of TransUnions compliance with FCRA reinvestigation obligations, as well as an official explanation as to why concrete and contradicting documentation from XXXX XXXX has been repeatedly ignored.XXXXUnder FCRA 1681i ( a ) ( 5 ) ( A ), TransUnion is legally required to delete any information that is inaccurate, incomplete, or can not be verified. The XXXX account clearly meets all three conditions. TransUnion has continued to verify false data even after being presented with documented proof from the original creditor showing the account was charged off in XXXX, had no payments since XX/XX/XXXX, and was sold to outside agencies. Accordingly, I am demanding full removal of this tradeline, as required by federal law.

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