Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion, I am writing to dispute an inaccurate entry on my credit reports under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the accuracy of reported information, and 15 U.S.C. 1681i ( a ), which mandates a reinvestigation of disputed information. The account in question is with XXXX. My review has identified violations of Metro 2 reporting standards, rendering the entry inaccurate and potentially misleading.

The following Metro 2 violations are present : 1. * * Inconsistent High Credit : * * One report lists the " High Credit '' as {$2600.00}, while another lists {$4000.00} for the same account. Metro 2 requires the " High Credit '' field to consistently reflect the highest balance reached during the life of an installment loan. This discrepancy violates Metro 2 guidelines, as it misrepresents the loans peak balance and affects the accuracy of my credit profile. 
XXXX. * * Questionable Last Reported Date : * * The account is reported as closed with a {$0.00} balance, with the last payment made on XX/XX/XXXX. However, the " Last Reported '' date is XX/XX/XXXX. Metro 2 requires the " Last Reported '' date to align with the most recent account activity unless updates are warranted ( e.g., due to a dispute resolution ). Reporting a 2024 date for an account with no activity since XXXX  suggests improper active reporting, potentially violating Metro 2 standards.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information in my credit reports. The Metro 2 violations listed above indicate a failure to meet this standard, as the inconsistent " High Credit '' and questionable " Last Reported '' date render the entry unreliable. Additionally, under 15 U.S.C. 1681i ( a ), you must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and either correct or delete it if unverifiable.

I request that you immediately correct the entry by resolving the " High Credit '' discrepancy ( determining the accurate amount, whether {$2600.00} or {$4000.00} ) and investigating the " Last Reported '' date to ensure it aligns with Metro 2 standards for a closed account. Alternatively, if XXXX can not provide documentation verifying the accuracy of this entry, including resolving the Metro 2 violations noted above, I request that the entire entry be removed from my credit reports due to its non-compliance.

Please respond within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ), with the results of your reinvestigation. If this matter is not resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) for further action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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