Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
DEMAND TO REMOVE NONCOMPLIANT DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Inaccurate/Noncompliant Data in Credit Report. 

Dear Credit Reporting Agency, Your conduct has caused me emotional distress, financially harmed me with out-of-pocket expenses, and lost employment opportunities. You are reporting and publishing inaccurate data in your consumer reports about me. As a Credit Reporting Agency, you have a duty to report accurate information. You have breached this duty by publishing the following inaccurate accounts to my credit file. The inaccurate accounts and data do not comply with Metro 2 reporting requirements because of the following legal reasons : XXXX XXXX XXXX XXXX. ) Reported data is factually inaccurate & insufficient per Metro 2 Compliance. ( 2. ) This entry has an incorrect opening date and account number. ( 3. ) This entry violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please remove non-compliant data from my credit file immediately. ( 4. ) Ive contacted creditor to no avail ; no response in 60days. ( 5. ) Failure by a creditor to respond to or validate a consumers claim within 30 days are grounds for removal. 

XXXX XXXX XXXX XXXX This account is outdated beyond the statute of limitations. Please remove. it from my credit file. 1. Reported data is factually inaccurate & insufficient per Metro 2 Compliance. ( 2. ) The account was also discharged in bankruptcy. ( 3. ) This entry violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please remove non-compliant data from my credit file immediately. ( 4. ) Ive contacted creditor to no avail ; no response in 60days. ( 5. ) Failure by a creditor to respond to or validate a consumers claim within 30 days are grounds for removal. 

XXXX XXXX XXXX ( 1. ) Reported data is factually inaccurate & insufficient per Metro 2 Compliance. ( 2. ) This entry has an incorrect opening date and account number. ( 3. ) Acct contains personal information that violates HIPPA reporting requirements. ( 4. ) This entry violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please remove non-compliant data from my credit file immediately. ( 5. ) Ive contacted creditor to no avail ; no response in 60days. ( 6. ) Failure by a creditor to respond to or validate a consumers claim within 30 days are grounds for removal. 

XXXX XXXX 1. ) Reported data is factually inaccurate & insufficient per Metro 2 Compliance. ( 2. ) This entry has an incorrect opening date and account number. ( 3. ) This entry violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please remove non-compliant data from my credit file immediately. ( 4. ) Ive contacted creditor to no avail ; no response in 60days. ( 5. ) Failure by a creditor to respond to or validate a consumers claim within 30 days are grounds for removal. 

XXXX XXXXXXXX 1. ) Reported data is factually inaccurate & insufficient per Metro 2 Compliance. ( 2. ) This entry has an incorrect opening date and account number. ( 3. ) This entry violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please remove non-compliant data from my credit file immediately. ( 4. ) Ive contacted creditor to no avail ; no response in 60days. ( 5. ) Failure by a creditor to respond to or validate a consumers claim within 30 days are grounds for removal. 

XXXX XXXX XXXXXXXX This account is outdated beyond the statute of limitations. Please remove. it from my credit file. 1. Reported data is factually inaccurate & insufficient per Metro 2 Compliance. ( 2. ) The account was also discharged in bankruptcy. ( 3. ) This entry violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please remove non-compliant data from my credit file immediately. ( 4. ) Ive contacted creditor to no avail ; no response in 60days. ( 5. ) Failure by a creditor to respond to or validate a consumers claim within 30 days are grounds for removal. 

XXXX XXXX This account is outdated beyond the statute of limitations. Please remove. it from my credit file. 1. Reported data is factually inaccurate & insufficient per Metro 2 Compliance. ( 2. ) The account was also discharged in bankruptcy. ( 3. ) This entry violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please remove non-compliant data from my credit file immediately. ( 4. ) Ive contacted creditor to no avail ; no response in 60days. ( 5. ) Failure by a creditor to respond to or validate a consumers claim within 30 days are grounds for removal. 

US DEPT ED XXXX 1. Reported data is factually inaccurate & insufficient per Metro 2 Compliance. ( 2. ) This entry has an incorrect opening date and account number. ( 3. ) This entry violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please remove non-compliant data from my credit file immediately. ( 4. ) Ive contacted creditor to no avail ; no response in 60days. ( 5. ) Failure by a creditor to respond to or validate a consumers claim within 30 days are grounds for removal.

I demand that you delete the accounts and mail me an updated copy of my consumer report. For identification purposes, my social security # is XXXX and my date of birth is XX/XX/XXXX. I am enclosing a copy of my identification as proof of identity and mailing address. 


Best, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX DOBXXXX Cc : Consumer Financial Protection Bureau po box 27170 Washington , DC 20038

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