Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
Subject : Urgent Complaint Inaccurate Credit Reporting, Metro 2 Violations, and FCRA/FDCPA Violations Facing Homelessness Complainant : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX To Whom It May Concern, I am filing this urgent complaint against TransUnion, XXXX Funding, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and The XXXX XXXX for XXXX continued reporting of inaccurate and misleading information on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX XXXX standards. 

Immediate Issue : I Am Facing Homelessness Due to False Reporting On XX/XX/year>, I was denied housing by XXXX XXXX XXXX directly due to the false and misleading information reported on my TransUnion credit report. Despite providing clear evidence of these inaccuracies, TransUnion continues to report these accounts as verified, while XXXX  has deleted these same accounts due to inaccuracies. 

This false reporting has directly placed me in an emergency situation. As a result of the denial, I am now facing the immediate threat of homelessness. This is a severe, urgent harm directly caused by the respondents negligent and deceptive practices. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX ( XXXX XXXX Bank ) {$720.00} Reported as Open with a past due balance. 
Deleted by XXXX  for inaccuracies, yet verified by TransUnion. 
Clear Metro 2 violation : Reporting payment history on a debt buyer account, which is unlawful. 

XXXX. XXXX XXXX XXXX ( Total XXXX XXXX Missouri XXXX {$460.00} Reported as Open with a past due balance. 
Deleted by XXXX  for inaccuracies, yet verified by TransUnion. 
Clear Metro 2 violation : Misleading status and false payment history. 

XXXX Credit Bureau XXXX XXXX XXXX CBA ) {$520.00} Reported as XXXX with a collection status, creating a false impression of a credit relationship. 
XXXX XXXX XXXX violation : A collection account can not be reported as XXXX. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ) {$760.00} Reported with a past due balance and payment history, falsely implying a credit relationship. 
Deleted by XXXX  for inaccuracies, yet reported as verified by TransUnion. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) {$940.00} Reported with a past due balance and misleading status. 
Deleted by XXXX for inaccuracies, yet reported as verified by TransUnion. 

XXXX. The XXXX XXXX XXXX XXXX XXXX ) {$290.00} Reported as XXXX with a collection status, creating a false impression of a credit relationship. 

Documented Evidence : TransUnion Dispute Results ( XX/XX/year> ) : Showing false verification of accounts that were deleted by XXXX  for the same violations. 
XXXX Dispute Results ( XX/XX/year> ) : Confirming deletion of these accounts due to inaccuracies. 
Chat with TransUnion Representative : Confirming that false phone numbers were removed, yet some were still cited in my housing denial. 
Denial Letter from XXXX XXXX XXXX ( XX/XX/year> ) : Direct evidence of housing denial due to these inaccurate reports, placing me at risk of homelessness.

Metro 2 Compliance Violations : These accounts are being reported with false Open statuses, past due balances, and payment histories, which violate Metro 2 standards.

Metro 2 standards mandate that once violations are identified, they can not be updated or corrected they must be deleted. 

Immediate Request for Resolution : Immediate Deletion : I demand the immediate deletion of all disputed accounts ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, The XXXX XXXX ) from my TransUnion credit report. 
Confirmation of Deletion : Written confirmation that these accounts have been permanently deleted. 
Investigation : A full investigation into why TransUnion verified these accounts despite clear evidence of Metro 2 violations and deletion by XXXX.

Compensation : Due to the direct harm caused by these false reports ( denial of housing and the threat of homelessness ), I request compensation for damages.

Legal Violations : Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum possible accuracy in reporting.

Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 807 ) : False representation of the character, amount, or status of a debt.

Metro 2 Compliance Violations : Falsely reporting debt buyer accounts with payment histories, past due balances, and Open statuses.

I am requesting that this complaint be prioritized due to the urgent threat of homelessness I am facing. 

I look forward to your immediate response and resolution of this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX 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