Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, This my formal response to TransUnion and the CFPB Regarding my initial complaint submitted on XX/XX/XXXX. I request additional help from the CFPB or court intervention. Please see the details of my feedback below and the inaccurate, inconsistent, incomplete information still unverified on the original accounts I requested. 

TransUnion has still failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and that it thcurrently reports appropriately, accurately and ONLY undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards, without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations against me satisfying at least the minimal criteria to satisfy the federal and my state 's applicable regulatory mandates for reporting. This means it needs to be reported to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBIE COMPLETENESS! NEITHER OF WHICH HAS TRANSUNION DONE as you will see further down in this letter. 

Transunion has failed to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns that the negative information portrayed by the company is either ( 1 ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity against each, any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each, any or all consumer credit reporting repository ( ies ) is in fact done so without deviation, from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to the aforementioned maximum possible accuracy and completeness. 

My concern is that Transunion either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXXXXXX XXXX  own XXXX manual ( see XXXX XXXX ) on which it plain as day states : " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemed legitimate, giving me the RIGHT I've exercised to CONTEST that Transunion 's inadequately asserted, but very conditional PRIVILEGE, to report information provably against me. 

In my contesting of their privilege to report in this circumstance related to this filed CFPB notice I as well, did forward previously not successfully, responded to and even here and now currently demanded answered CHALLENGE to the mentioned Transunion, for them to demonstrate document proof confirming the information alleged against me on my consumer report, in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged against me! 

As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) accusations against me. In my opinion, my rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ). 

My demands for documented proof of Transunions adherence to reporting pertinence was not met as is required of them and has not been satisfied even to this date thereby forcing my hand to request additional CFPB authoritative intervention and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the Transunion 's reporting behaviors, regulated by law! 

CFPB, my rights are still being violated under FCRA. Please act NOW to have Transunion remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. 

I demand the accounts mentioned below to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the Transunion in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied against me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Please see the inconsistent, jeopardized data they are still reporting below and help me get it removed from my consumer reports : XXXX XXXX The high balance does not match. Its showing {$4000.00} on TransUnion, {$0.00} on XXXX and {$0.00} on Transunion. So which one is correct? Where is the documented proof I requested? 
The last verified date is XX/XX/XXXX on TransUnion. I submitted this complaint on XX/XX/XXXX and pulled this information today, XX/XX/XXXX. Per Transunion the information was verified on XXXX so they obviously didnt verify it on XXXX as requested 4 other times. If so, where is the documentation they received from the creditor that this information is accurate? 
The Dates of last activity do not match on any bureau. For Transunion it is XX/XX/XXXX, For XXXX it shows XX/XX/XXXX and for Transunion, it shows XX/XX/XXXX. This is inconsistent and inaccurate. Where is the proof that this date of last activity is correct? 
The close date is inconsistent and doesnt match across all three bureaus. There is no close date for XXXX and XXXX but TransUnion lists the close date as XX/XX/XXXX. Where is the proof? 
The date opened on the account doesnt match. Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and Transunion shows XX/XX/XXXX so whats the right date? 
The account rating doesnt match. Transunion shows closed, XXXX shows paid, Transunion shows paid. Is it closed or paid? Wheres the proof? 
The last payment date doesnt match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and Transunion shows XX/XX/XXXX. 
What is the correct close date? Wheres the proof from the creditor that any of this is correct and that they verified that the date they have is correct? 
The term length is not listed. This makes the account incomplete. 
The account type is different across all three bureaus. 
The payment frequency isnt listed so how can you say I was ever late or that this is a chargeoff if there is no contracted payment frequency? Where is the contract that states I had to make payments every 30 days? 
The payment history doesnt match across all three bureaus. 
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately. 


XXXX  XXXX XXXX This account was removed from XXXX because it could not be verified. How did TransUnion verify it? 
The high balance does not match. It shows {$8000.00} for TransUnion and {$0.00} for XXXX The date last verified shows XX/XX/XXXX. I submitted this complaint on XX/XX/XXXX. If it was verified on XX/XX/XXXX, where is the documented proof and why did I get a notice stating it was verified on XXXX The date of last activity doesnt match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Whats the correct date? Why can TransUnion not show me the document that shows that they verified the correct date? 
The Date opened doesnt match. Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Which date is correct? If TransUnion has the correct date, where is the contract? Where is the proof? Where is the documentation that I asked for? 
The dispute status is incorrect. This account should show in dispute per section 623 ( a ). Its been in dispute since May of this year and it has never shown in dispute. This is a violation of my rights. 
The Creditor type doesnt match. Transunion shows bank, XXXX shows Bank Credit cards. This is inconsistent. 
The term length is not listed. This makes the account incomplete. 
The account type is different across all three bureaus, for TransUnion it is a flexible spending card, what is that? For XXXX is a credit card. Which is correct? Wheres the documentation that TransUnion used to verify that this is a flexible spending card? 
The payment frequency isnt listed so how can you say I was ever late or that this is a chargeoff if there is no contracted payment frequency? Where is the contract that states I had to make payments every 30 days? 
The payment history doesnt match across all three bureaus. 
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately! 


XXXXXXXX XXXX XXXXXXXX XXXX The account number is incomplete. What is the correct account number? 
This account was deleted from XXXX because they could not verify the information as I requested but Transunion is still reporting it inaccurately. 
The high balance does not match. Transunion shows {$14.00}, XXXX while XXXX shows {$0.00}. Wheres the documented proof that Transunion verified this as accurate? 
The date last verified shows XX/XX/XXXX. Okay then, wheres the documents from the verification? You closed the account out on XXXX saying everything was verified. Why didnt you send the verification documents such as signed contracts or documentation from the creditor? 
The Date of last activity does not match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Which one is correct? Wheres the proof showing me that you have verified the correct date? 
The closed date doesnt match. Transunion shows XX/XX/XXXX. XXXX shows no closed date. Is the account closed? Where is the documentation that shows the date of close is correct? If TransUnion verified it, they should have the documentation. 
The creditor type doesnt match. TransUnion shows Bank, XXXX Shows Bank Credit Card. Which one is it? Wheres the proof? 
The term length is not listed. This is incomplete The payment history does not match across either bureau. 
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately! 


XXXX XXXX  XXXX The account number does not match across all three bureaus. Wheres the proof that this is my account? 
The high balance doesnt match. TransUnion shows {$6700.00}, XXXX shows {$0.00}, XXXX shows {$6700.00}. Wheres the documentation that TransUnion used to verify that they have the correct high balance? Show me proof. 
The date last verified shows XX/XX/XXXX. When transunion closed the complaint, they closed it on XXXX. Wheres the documentation from the verification that shows they have the right information? The verified everything is accurate within 7 days? Thats fast! So show me the documentation that you received from the creditor verifying this information is accurate. 
The date of last activity does not match. Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. What is the correct date? Show me the documented proof that TransUnion received from the creditor that shows they have the correct last activity date. 
The date opened does not match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. So which date is correct? If TransUnions date is correct, they should have documentation from the creditor that they can present to me as proof that they have the right date and the other bureaus are incorrect. Show me proof. 
The closed date does not match. It shows XX/XX/XXXX on TransUnion, and nothing on XXXX and XXXX. Wheres the proof that TransUnion has the right date? 
Per section 623 ( a ) this account should be showing in dispute. I have disputed this account every month since XX/XX/XXXX and it has yet to be shown in dispute even after reporting TransUnion to the CFPB. This is a violation of my FCRA rights! Please help me with this! 
The creditor type does not match. TransUnion shows Bank, XXXX shows Bank Credit Cards and XXXX shows National Credit Card Companies. This is inconsistent. Which one is it? Show me proof! 
Credit remarks dont match. Transunion says it was closed as bad debt. XXXX says it was closed due to inactivity and XXXX shows the account in dispute. This account was settled. Wheres the documented proof that this account is reporting accurately? 
Date of last payment doesnt match. Transunion shows XX/XX/XXXX. XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Wheres the proof that TransUnion is correct? If it was verified with the creditor, there should be some documented proof they can show me so that I know that the date they have is correct. 
Term length is not listed. This makes the account incomplete. 
If this is a charge-off, why is there a past due balance reporting? A charge-off can not show a past due balance. 
The credit limit does not match. Transunion shows {$6000.00}, XXXX shows {$6000.00}, XXXX shows {$0.00}. Which is it? Wheres the contract or documented proof that TransUnion received from the creditor showing what the true credit limit is? 
The payment history doesnt match across all three bureaus. 
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately! 



XXXX XXXX XXXX The high balance doesnt match. TransUnion shows {$1900.00}, XXXX shows {$0.00}, XXXX shows {$1900.00}. Wheres the documentation that TransUnion used to verify that they have the correct high balance? Show me proof. 
The date last verified shows XX/XX/XXXX. When TransUnion closed the complaint, they closed it on XXXX. Wheres the documentation from the verification that shows they have the right information? The verified everything is accurate within 7 days? Thats fast! So show me the documentation that you received from the creditor verifying this information is accurate. 
The date of last activity does not match. Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. What is the correct date? Show me the documented proof that TransUnion received from the creditor that shows they have the correct last activity date. 
The date opened does not match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. So which date is correct? If TransUnions date is correct, they should have documentation from the creditor that they can present to me as proof that they have the right date and the other bureaus are incorrect. Show me proof. 
The closed date does not match. It shows XX/XX/XXXX on TransUnion, and nothing on XXXX and XXXX. Wheres the proof that TransUnion has the right date? 
Per section 623 ( a ) this account should be showing in dispute. I have disputed this account every month since XX/XX/XXXX and it has yet to be shown in dispute even after reporting TransUnion to the CFPB. This is a violation of my FCRA rights! Please help me with this! 
The creditor type does not match. TransUnion shows Bank, XXXX shows All Banks and XXXX  shows All Banks. This is inconsistent. Which one is it? Show me proof! Surely Transunion has it if they verified it! 
Date of last payment doesnt match. Transunion shows XX/XX/XXXX. XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Wheres the proof that TransUnion is correct? If it was verified with the creditor, there should be some documented proof they can show me so that I know that the date they have is correct. 
Term length is not listed. This makes the account incomplete. 
If this is a charge-off, why is there a past due balance reporting? A charge-off can not show a past due balance. 
The credit limit does not match. Transunion shows {$1900.00}, XXXX shows {$1900.00}, XXXX shows {$0.00}. Which is it? Wheres the contract or documented proof that TransUnion received from the creditor showing what the true credit limit is? 
The payment history doesnt match across all three bureaus. 
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately! 



XXXX XXXX XXXX XXXX removed this account because they could not verify the information. Where are the documents that TransUnion used to verify this information? 
Date of last activity does not match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, not listed on XXXX. Wheres the proof that transunion has the right date of last activity? 
Date reported does not match. Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Wheres the proof that they reported anything? 
The date opened doesnt match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX is not listed. 
Creditor type does not match. XXXX shows collection services, XXXX shows Factoring companies. Which is it? Wheres the proof? 
The account status doesnt match. Transunion shows its open, XXXX shows closed, XXXX is not listed. 
Payment status doesnt match. Transunion shows its a collection/chargeoff, XXXX shows as Late 120 days. Which is it? Wheres the proof? 
The original creditor does not match. Is it XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX as there is no original creditor listed on XXXX. Show me the documents used to verify this. 
Last payment doesnt match. Transunion doesnt have one listed, XXXX shows XX/XX/XXXX. When was it? Show me the documentation. 
Account type doesnt match. Transunion doesnt have one listed, XXXX has Collection listed. Transunion is incomplete. Which is it? 
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately! 



Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS. '' The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Therefore, I demand that you delete the above inaccuracies from my consumer report, this agency is in violation of 15 USC 1681! 
Please provide documented proof that these accounts were verified or delete and/or update them immediately as I have previously requested multiple times! 



Thank you for your assistance in this urgent matter,

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