Consumer complaint received 2025-07-07 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:
RE : FORMAL COMPLAINT AND DEMAND FOR PERMANENT REMOVAL OF FRAUDULENT, OBSOLETE, AND UNVERIFIABLE ACCOUNTS UNDER FCRA 605B, 609 ( a ) ( 1 ), 611, 623 To Whom It May Concern : This formal complaint serves as both a final demand and legal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding multiple accounts appearing on my TransUnion consumer report that are in violation of federal law. These entries include accounts that are fraudulent, legally obsolete, inaccurately reported, or entirely unverifiable. Your continued publication of these accounts subjects you to both statutory and punitive liability under FCRA 616 and 617.

You are instructed to immediately block or delete the following accounts or produce all documentation required under 609 ( a ) ( 1 ), including original contracts, payment ledgers, reinvestigation results, and Metro 2 data furnisher records. If any account has been identified as fraudulent, it must be blocked within 4 business days per 605B. Failure to comply will result in immediate litigation. 
-- - XXXX. XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is fraudulent and must be blocked under 605B. You have failed to do so despite prior notice. No contract, validation, or original documents have been provided as required by 609 ( a ) ( 1 ). You have failed to conduct a reinvestigation under 611 ( a ) or apply the required XB code under Metro 2. The continued publication of this account represents willful noncompliance. 
XXXX. XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a distinct tradeline from the above and must be treated separately. You failed to initiate a fraud block under XXXX and did not furnish documentation as required. Metro 2 dispute codes are absent, and reporting is inconsistent across fields. 
XXXX. XXXX XXXX - Account # XXXX This account involves a collection related to XXXX XXXX XXXX and is also disputed as fraudulent. You are obligated to block it under 605B. No signed agreement or payment history has been produced under 609 ( a ) ( 1 ). You are furnishing previously disputed data under 623 ( b ) and failed to initiate a reinvestigation under 611 ( a ). XB coding is also missing. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This tradeline is unverifiable, fraudulent, and must be blocked under 605B. You have not produced any documentation under 609 ( a ) ( 1 ). You have also failed to investigate multiple disputes and continue furnishing unverifiable data in violation of 623 ( a ) ( 1 ) ( A ). The account status and condition conflict with Metro 2 formatting rules. 
XXXX. XXXX XXXX XXXX XXXX XXXX  - Account # XXXX * * * * * * * * This account was already removed from Experian due to violations of the FCRA. You are reporting a balance of {$800.00} on a {$500.00} limit, violating 623 ( a ) ( 1 ) ( A ) and Metro 2 guidelines. The account is charged off but continues to reflect monthly past-due statuses, which constitutes double recovery. You have not corrected this despite prior disputes, nor have you furnished validation under XXXX ( a ) ( XXXX ). 
XXXX. XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This tradeline was removed by Experian, yet you continue reporting it without proper documentation. You have not provided any ledger, contract, or valid activity in over XXXX months. The account is inaccurately labeled " XXXX '' and " XXXX '' and contains no XB code. This is a clear violation of 609, 611, and 623, as well as Metro 2 guidelines.

7. XXXX XXXX XXXX - Account # XXXX Experian removed this account 's late payments due to inaccurate furnishing and compliance failures. You continue to report the tradeline with a reinserted XX/XX/XXXX late payment, without notice or certification under 611 ( a ) ( XXXX ). You have never provided any of the documentation required under 609 ( a ) ( XXXX ), including account origination, contract terms, or validation of any delinquency. You are furnishing data previously deleted and unresolved, in violation of 623 ( a ) ( 2 ) and Metro 2 formatting obligations. 
XXXX. XXXX XXXX XXXX - Account # XXXX This tradeline has not reflected any valid payment activity since XX/XX/XXXX and is now legally obsolete under 605 ( a ) ( XXXX ). Despite my CFPB complaint, you continue to report this account with XXXX and XXXXday late payments that conflict with inactivity. You have failed to provide the contract, full ledger, or dispute resolution history required under 609 ( a ) ( 1 ). You are also in violation of 623 ( a ) ( 1 ), 623 ( b ), and Metro 2 coding standards by falsely designating this account as " XXXX '' and " XXXX '' while reporting delinquencies. 
XXXX. XXXX  XXXX Bankruptcy - Ref # XXXX This bankruptcy was dismissed and later deleted from Experian due to lack of verifiable court sourcing. You have no right to report it without court documentation, public record certification, or Metro 2 formatting accuracy. The absence of insertion certification under 611 ( a ) ( 5 ) further invalidates its presence on my file. You are violating 609 ( a ) ( XXXX ), and the data conflicts with both the nature and outcome of the filing. 
-- - LEGAL DEMAND : You are hereby instructed to delete the above accounts or deliver all documentation required by law under 609 ( a ) ( 1 ). This includes all signed applications, contracts, full account ledgers, original source data from furnishers, and all Metro 2 reporting detail. Failure to do so within XXXX  days will result in civil litigation, regulatory complaints, and pursuit of damages under FCRA 616 and 617.

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