Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX2024 TransUnion LLC XX/XX/XXXX XX/XX/XXXX XXXX, PA XXXX Subject : Metro 2 Compliance Violations and FCRA Breaches Demand for Removal of Inaccuracies Dear TransUnion Dispute Department, I am writing to formally demand the immediate removal of several inaccurate entries from my credit report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and fail to comply with Metro 2 reporting standards, as established by the Consumer Data Industry Association ( CDIA ).

Specific Violations Bankruptcy Reporting : The bankruptcy recorded on my credit profile is non-compliant with Metro 2 standards and violates FCRA 1681e ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy. The data inaccurately reflects the status, date, and type of bankruptcy, materially misleading potential creditors.

Late Payments : Late payment entries are riddled with errors in dates and payment history, failing to meet Metro 2 Format requirements for accurate reporting under the Credit Reporting Resource Guide ( CRRG ). These inaccuracies violate FCRA 1681i ( a ), which requires a reasonable investigation of disputed information.

Terminated/Closed Accounts : Several accounts marked as closed on my report fail to conform to Metro 2 standards for proper coding of account statuses ( e.g., paid and closed or transferred ). This violates FCRA 1681s-2 ( a ), which obligates furnishers to report accurate and complete information.

Sham Investigations : Your agencys dispute resolution process appears to lack compliance with FCRA 1681i ( a ) ( 1 ) ( A ), which requires a thorough and reasonable investigation of disputed items. Verifications are often completed in an unreasonably short time frame without proper documentation or notice, suggesting a superficial or sham investigation process.

Legal and Regulatory Framework Under the FCRA : Consumers have the right to dispute inaccuracies ( 1681i ).

Furnishers must ensure accuracy when reporting information ( 1681s-2 ).

Credit bureaus must maintain procedures to ensure maximum possible accuracy ( 1681e ).

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized strict adherence to Metro 2 standards for accurate reporting and robust dispute resolution processes28. Non-compliance with these standards undermines data integrity and violates federal law9.

Demands for Immediate Action I demand that TransUnion take the following actions within 30 days, as required by FCRA 1681i ( a ) ( 1 ) : Remove all inaccurate bankruptcy entries from my credit report.

Correct or delete all late payment entries that fail Metro 2 compliance standards.

Update terminated/closed accounts to reflect accurate statuses per Metro 2 guidelines.

Conduct a legitimate reinvestigation of all disputed items, providing documentation for any verified entries.

Failure to comply will result in formal complaints filed with the CFPB, Federal Trade Commission ( FTC ), and other regulatory bodies. I also reserve the right to pursue legal action under FCRA 1681n for willful non-compliance or 1681o for negligent violations