Business ProfileforFirst Savings Credit Card

I am writing to file a complaint against TransUnion for inaccurately reporting a charge-off with a balance from First Savings Credit Card on my credit report. This charge-off is not my debt, and its presence on my credit report, including the reported balance, is a violation of the Fair Credit Reporting Act. - A charge-off for $836 from First Savings Credit Card, and ****** State Bank for $496 appears on my TransUnion credit report. - A charge-off is an accounting procedure done by a lender when they deem an account uncollectible - it is not an actual debt that is owed by the consumer. The original debt has been written off by the lender. - The reporting of a balance amount along with this charge-off is improper, as a charge-off indicates the debt is no longer owed. - The appearance of this fraudulent charge-off and balance on my credit report is causing significant damage to my credit score and creditworthiness. This reporting by TransUnion is a clear violation of several provisions of the FCRA: -Section 623(a)(1)(A) The reporting of this fraudulent charge-off with a balance is neither complete nor accurate, as I do not owe this debt. -Section 611(a)(1)(A) requires that consumer reporting agencies, "conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate." TransUnion has failed to properly investigate this issue and remove the inaccurate information from my report. -Section 605(a)(2) requires that this fraudulent charge-off should have been removed long before appearing on my current credit report. I have made several attempts to have TransUnion remove this erroneous item from my credit report, but they have failed to do so. This inaccurate reporting is causing significant harm to my creditworthiness and ability to obtain credit, housing, and employment. I am requesting that the FTC investigate this matter and take appropriate enforcement action against TransUnion to have this permanently removed from my credit report.