Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Account # XXXXDear [ Credit Bureau Name ] and [ Data Furnisher Name ], Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Metro 2 compliance standards, I am writing to formally dispute the inaccurate and unverifiable information listed on my credit report regarding the account referenced below. I demand a thorough investigation, correction or permanent deletion of all inaccurate data, and compensation for damages caused by these violations. The account in question is as follows : * Account Holder : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX * Original Creditor : Department of State * Data Furnisher : Department of TreasuryXXXX * Account Status : Paid in Full/Was a Collection * Date Opened : XX/XX/XXXX * Date Closed : XX/XX/XXXX * Date Last Reported : XX/XX/XXXX * Balance : {$0.00} * High Balance : {$200.00} * Estimated Removal Date : XX/XX/XXXX Identified Inaccuracies The following inaccuracies violate FCRA, FDCPA, and Metro 2 standards : 1. Incorrect Personal Information : * Phone Number : The reported phone number, ( XXXX ) XXXX, is incorrect and does not belong to me.

* Address : The reported address, XXXX XXXX XXXX XXXX XXXX, TX XXXX, is incorrect and does not reflect my current or past residence.

* Violation : Reporting incorrect personal information violates 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. Inaccurate personal data undermines the integrity of the credit file and risks misidentification, as established in Cortez v. Trans Union , LLC, 617 F.3d 688 ( 3rd Cir. 2010 ), where the court held that inaccurate personal information constitutes a material violation of the FCRA.

2. Inaccurate Date of First Delinquency ( DOFD ) : * The credit report does not explicitly state the DOFD, which is a critical component required under 15 U.S.C. 1681c ( g ) and Metro 2 guidelines ( XXXX XXXX Date of First Delinquency ). Failure to report or inaccurately reporting the DOFD misleads consumers and creditors regarding the statute of limitations and reporting period. If the DOFD is incorrect or unverifiable, this constitutes a violation of 15 U.S.C. 1681c and Metro 2 standards, as seen in Seamans v. Temple Univ., 744 F.3d 853 ( 3rd Cir. 2014 ), where improper reporting of delinquency dates was deemed actionable.

3. Account Status Misreporting : * The account is listed as Paid in Full/Was a Collection with an estimated removal date of XX/XX/XXXX. If the DOFD is prior to XX/XX/XXXX ( 7 years before the estimated removal date ), the account may be reported beyond the permissible 7-year period under 15 U.S.C. 1681c ( a ) ( 4 ). Additionally, Metro 2 requires accurate reporting of account status codes ( e.g., Code 11 for current, Code 97 for paid collection ). Any deviation from these standards violates 15 U.S.C. 1681s-2 ( b ), which mandates furnishers to correct or delete unverifiable information.

4. Failure to Verify Information : * The data furnisher, Department of Treasury-XXXX, h

as uploaded information through the e-OSCAR system without proper verification, potentially constituting wire fraud under 18 U.S.C. 1343 if the information is knowingly false or misleading. Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and review all dispute-related information. Failure to do so, as seen in Johnson v. MBNA Am. Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ), is a violation of the FCRA. 5. Misleading Electronic Communication : * Any misleading or inaccurate data transmitted via e-OSCAR violates 15 U.S.C. 1681i ( a ), which requires credit bureaus to reinvestigate disputes and delete unverifiable information. The continued reporting of unverified data also breaches FDCPA 1692e, prohibiting false or misleading representations in debt collection. Legal Obligations and Violations * FCRA 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy. Inaccurate personal information and account details violate this provision, as affirmed in Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ). * FCRA 1681s-2 ( b ) : Furnishers must investigate disputes, review all provided information, and delete or correct unverified data. Failure to comply is actionable, as seen in Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ). * FCRA 1681i ( a ) : Credit bureaus must conduct a reasonable reinvestigation within 30 days and delete unverifiable information. Non-compliance results in liability for damages. * FDCPA 1692e : Reporting false or misleading information in connection with debt collection is prohibited. * Metro 2 Compliance : XXXX XXXX XXXX XXXX XXXX ( XXXX ) mandates accurate reporting of account status, XXXX, and personal information. Non-compliance risks regulatory penalties and consumer harm. 
*

Wire Fraud ( 18 U.S.C. 1343 ) : Knowingly transmitting false data through e-OSCAR may constitute wire fraud if done with intent to deceive, as noted in United States v. Jinian, 725 F.3d 954 ( 9th Cir. 2013 ). Demands 1. Immediate Investigation : Conduct a thorough investigation pursuant to 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ). Review all documentation, including this letter and any attached evidence, to verify the accuracy of the reported information. 2. Permanent Deletion : Delete the account ( Account # 9033 ) from my credit report if any information, including XXXX, personal details, or account status, can not be verified. Failure to delete unverifiable data violates FCRA and Metro 2 standards.

3. Correct Inaccuracies : Update my credit file to reflect accurate personal information ( phone number and address ) and account details, including the correct XXXX  and status code.

4. Compensation for Damages : I seek compensation for actual damages, including emotional distress, financial harm, and costs incurred due to these inaccuracies, as permitted under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). Courts have awarded
damages for FCRA violations, as seen in TRW Inc. v. Andrews, 534 U.S. 19 ( 2001 ).

5. Cease and Desist : Cease reporting unverified or misleading information to prevent further FDCPA violations.

6. Provide Documentation : Furnish proof of verification, including all records reviewed during the investigation, as required under 15 U.S.C. 1681i ( a ) ( 4 ).

Reservation of Rights I reserve all rights under the Uniform Commercial Code ( UCC ) 1-308, Without Prejudice, and assert that my dispute does not waive any legal protections or remedies. Failure to comply within 30 days, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ), will result in further legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential litigation for statutory, actual, and punitive damages.

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