Consumer complaint received 2025-08-27 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate/Unverifiable Negative Accounts Demand for Permanent Deletion, Inquiry Removal, and Human Review Dear TransUnion , I am formally disputing multiple negative accounts and an unauthorized inquiry currently appearing on my TransUnion credit report. These accounts are inaccurate, incomplete, or unverifiable, and their continued reporting violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the HIPAA Privacy Rule, and Metro 2 industry standards. 

These derogatories have caused significant harm to me by lowering my credit score, resulting in credit denials, higher borrowing costs, and interference with housing and employment opportunities.

Global Legal Basis FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 : Requires deletion of any item that can not be verified after reinvestigation.

FCRA 623 ( b ) : Data furnishers must affirmatively verify accuracy or direct deletion.

FDCPA 809 : Debt collectors must validate debts before continued reporting.

HIPAA Privacy Rule : Restricts unnecessary disclosure of medical provider names in reporting.

Metro 2 Standards : Require accurate Date of First Delinquency ( DOFD, Field 25 ), correct Account Status ( Field 17 ), and inclusion of Dispute Indicator ( Field 35 ). 

Itemized Disputes TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, Charged-off Factual Dispute : Contradictory status ( closed vs. charged-off ), balance not validated, DOFD absent. 

Metro 2 : DOFD missing ; Status Code inconsistent ; no dispute flag applied. 

Remedy : Permanent deletion + inquiry removal. 

XXXX XXXX XXXX, Charged-off Factual Dispute : Past due balance exceeds credit limit ; no validation provided; DOFD missing. 

Metro 2 : Improper coding ; no dispute indicator. 

Remedy : Permanent deletion + inquiry removal. 

XXXX XXXX XXXX Collection ( Debt Buyer ; Original Creditor : XXXX XXXXXXXX XXXX XXXX. ) Factual Dispute : No proof of chain of title ; no validation ; balance unverifiable. 

Metro 2 : DOFD not carried from original creditor ; status miscoded ; no dispute flag. 

Remedy : Permanent deletion + inquiry removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Factual Dispute : No lease, statements, or itemized charges ; unverifiable. 

Metro 2 : DOFD missing ; incorrect collection status coding. 

Remedy : Permanent deletion + inquiry removal. 

XXXX XXXX XXXX  ( Medical ; XXXX XXXX XXXX ) Factual Dispute : No validation or itemized charges ; provider name disclosed improperly. 

XXXX XXXX XXXX DOFD missing ; medical coding incomplete ; dispute flag absent. 

Remedy : Permanent deletion + inquiry removal. 

XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX ) Factual Dispute : No contract, lease, or itemized debt proof ; unverifiable. 

Metro 2 : DOFD missing ; status code misclassified ; no dispute indicator. 

Remedy : Permanent deletion + inquiry removal. 

Additional Medical Collections Various Factual Dispute : No validation or patient documentation ; balances unverified ; improper provider disclosure. 

Metro 2 : DOFD missing ; improper medical coding ; dispute flag absent. 

Remedy : Permanent deletion + inquiry removal. 

Final Notice I remind TransUnion that I contacted every furnisher more than 60 days ago. None provided verification. Therefore, if TransUnion reports these items as verified through the e-OSCAR automated system, it would prove that no human reinvestigation occurred and that TransUnion is in violation of FCRA 611.

Fair Resolution Permanent deletion of all inaccurate/unverifiable accounts and unauthorized inquiries.

Written acknowledgment and apology from TransUnion.

Confirmation that this dispute was reviewed by a human investigator, not just e-OSCAR. 

A fresh copy of my corrected credit report. 

Please provide your response within 30 days, as required by law. 

Sincerely, 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 explanation