Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom this may concern, 

About XXXX days ago I asked Transunion to conduct an investigation regarding my credit report. Transunion responded by verifying accounts in which are still in error. I am not certain an actual investigation has taken place and thus they are violating my rights under the FCRA. The following accounts are still in error, and I demand for them to be removed off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX raises concerns about its compliance with the required legal and ethical reporting standards, which could compromise the accuracy and integrity of the claim.

Please note that under 15 USC 1681, all claims must meet the minimum standard of maximum possible accuracy and completeness. The XXXXXXXX-influenced XXXXXXXX XXXX states in XXXX XXXX that "Any deviation from these standards jeopardizes the integrity of the data." If there are omissions or inconsistencies in reporting, it may indicate a divergence from the necessary requirements to establish mandatory compliance with Metro 2 formatted reporting standards. Therefore, please either remove the claim or provide proof of ethical reportability.

The Account Type XXXX Account Type Details, Bureau Code, Payment Status XXXX  High Credit XXXX, Monthly Payment XXXX, No. of Months (terms) XXXX), Last Reported, Date Last Active (XXXX XXXX XXXX XXXX  History suggest a deviation from required reporting standards and may not meet the necessary criteria for certifiable compliant reporting. As a consumer, I am rightfully contesting the data reporter's privilege to report this claim unless they can demonstrate the confirmed and demonstrated adequacy of their reporting practices and processes. This includes adhering to the Credit Reporting Industry's mandatory Metro 2 Format standards, ensuring perfection and completeness. The reported dates may indicate a deficiency in meeting the required reporting edicts and may not meet the necessary standard for
reporting appropriateness.


I deeply regret to express our disappointment and concern regarding the account associated with XXXX XXXX and identified by the displayed account number XXXX on my report, as it has not been sufficiently proven to be valid, accurate, and complete, let alone compliant with the necessary certifications for reporting. It is imperative to take into account the undeniable fact that the XXXX itself has insinuated or explicitly stated that any deviation from the law or established industry standards in credit reporting renders a claim deficient, thereby mandating the immediate removal of all such claims from reporting. 1 insist that these claims should not be returned unless and until they can be lawfully proven to be compliant with all the requisite conditions for legal reporting. This action must be undertaken without exception, even in light of your apparent misapplication, willful ignorance, or reckless negligence in relation to your reporting practices and claims. I kindly request that you meticulously note any deviations, including but not limited to the following concerns, as valid grounds for the necessary eradication of the claim's reportability.

The reported Account Type XXXX, Account Type Details, Bureau Code, Payment Status (XXXX, High Credit XXXX Monthly Payment XXXX), No. of Months (terms) XXXX, Last Reported, Date Last Active XXXXXXXX XXXX XXXX Year History appear to be inadequate in meeting the required standards of reporting. As such, I am submitting a written challenge to the reporting party and to all relevant credit reporting agencies to provide factual evidence that confirms the adequacy of their reporting. This is the minimum requirement forthe privilege of reporting, and it should not be taken for granted.

I regret to inform you that the information for XXXX XXXX account number XXXX you have provided has not met the necessary standards for accuracy, completeness, timeliness, and validation. As per the reporting standards and consumer laws, documented proof of compliance is required. The information you have provided is lacking and contains inaccuracies, incompleteness, and unverified claims. This is a significant inadequacy and demands immediate attention. I kindly request that you take necessary measures to remove any such imperfect, inaccurate, incomplete, or unverified information. It is essential to maintain accurate and complete records to prevent any issues from arising in the future.

The reported Account Type (BS-9), Account Type Details, Bureau Code, Payment Status XXXX High Credit (XXXX, Balance XXXX, Monthly Payment XXXX, No. of Months (terms) XXXX, Date Last Active XXXX XXXX XXXX  Year History is inconsistent across the three credit reporting agencies. This deviation from the required reporting standards has led me to contest the reporting of this claim, as the creditor must prove that their reporting practices fully comply with the Credit Reporting Industry's Metro 2  Format standards. If they cannot demonstrate compliance, their reporting may not meet the necessary requirements.

I would like to bring to your attention that the information for account XXXX XXXX XXXX  you have provided is currently inadequate as it has not been verified for accuracy, completeness, timeliness, and validation. To ensure compliance with reporting standards and consumer laws, documented proof of compliance is essential. I am disappointed to find that the information provided is insufficient, incomplete, and contains inaccuracies and unverified claims. In light of this, I urge you to take immediate action to remove any imperfect, inaccurate, incomplete, or unverified information. I understand the importance of accurate and reliable information in making informed decisions. Therefore, I kindly request that you take the necessary measures to provide me with the required documented evidence of compliance reporting standards and relevant consumer laws. Could you kindly remove the following information from reporting now, please?

The account summary that was stated on Account Type XXXX, Account Type Details, Bureau Code, Payment Status (XXXX  Credit Limit XXXX, High Credit XXXX No. of Months (terms) XXXX Last Reported, Date Last Active XXXX XXXX XXXX Year History is an unverified inquiry and has not been proven to have the necessary adequacy or lawful permissible purpose as required. Additionally, it may not be compliant with testimonial regulations as it is currently reported. Therefore, please remove this information
from reporting quickly.

We would like to bring to your attention that the XXXX currently being reported, along with its corresponding account number XXXX, exhibits inconsistencies across the three major credit reporting agencies. It is important to note that any discrepancy, incompleteness, inaccuracy, or omission in the reported information goes against the Metro 2 Data-filled Field Formatted reporting compliance standards, which are mandatorily enforced by the reporting industry. Deviation from these standards can potentially compromise the integrity of
the data, as outlined in the XXXX XXXX XXXX, and thus, raises concerns about the legality of the reported item until all claims are verifiably true, correct, complete, timely, physically verifiable, and fully compliant with the aforementioned Metro 2 formatted industry requirements. Therefore, we kindly request your attention to the
following suspect data fields associated with the contested reported item of injury.

I kindly wish to draw your attention to the presence of an error in the Account Type XXXX Account Type Details, Account Status XXXX), Bureau Code, Payment Status XXXX No. of Months (terms) XXXX Last Reported & Date Last Active (XXXX  as stated in the report. It has come to my attention that the data pertaining to this account may be erroneous or incoherent with the prescribed reporting norms set forth by the XXXX. I humbly request that you reconsider the matter and provide substantiation for the accuracy, completeness (within the designated timeframe), verification, and adherence to all relevant requirements. Should these conditions not be met, I would greatly appreciate the removal of my profile.

I hereby bring to your attention the details pertaining to the account under the name of XXXX XXXX and associated with the account number XXXX. It is essential to emphasize that the aforementioned data has never undergone certification to comply with any reporting standards. Consequently, there is no assurance regarding the accuracy, currency, or comprehensiveness of the data provided. It is crucial to acknowledge that this information may be lacking in completeness, outdatedness, or lacking support. Therefore, I kindly request the removal of any erroneous or unsupported content from the present page.

I hereby wish to draw your esteemed attention to the presence of the Account Status XXXX, Credit Limit XXXX No. of Months (terms) XXXX, Last Reported, Date Last Active XXXX XXXX XXXX Year History as identified within the report at hand. Upon careful examination, it has come to my notice that the data associated with this particular account seems to be displaying inaccuracies or inconsistencies when measured against the established reporting standards set forth by the XXXX. In light of this, I respectfully request that you undertake a thorough review of the aforementioned data, ensuring its veracity, accuracy, completeness (within the designated timeframe), verification, and compliance with all relevant requirements.
Should any discrepancies persist, I kindly urge you to promptly rectify the situation by removing my profile accordingly.

As a customer, I have outlined the concerns pertaining to your reporting in this document. It is not exhaustive and fails to meet the requisite standards as stipulated by legal obligations. It is imperative that you adhere to both the Fair Credit Reporting Act (FCRA) and Metro 2 compliance regulations, ensuring that all information provided is accurate and promptly communicated, thereby safeguarding my rights from any potential infringement. Please remove the following accounts

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