Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute the reporting of late payment and charge-off data on my TRANSUNION credit report for the XXXXXXXX XXXX account ( Account Number : XXXX ). The reported information contains multiple discrepancies and violates the Metro 2 standards set by the Consumer Data Industry Association ( CDIA ), as outlined in the Credit Reporting Resource Guide ( CRRG ). 

Details of Disputed Data The following payment rating codes under Metro 2 Field 17b are inaccurately reported : 30 Days Past Due ( Code 1 ) 60 Days Past Due ( Code 2 ) 90 Days Past Due ( Code 3 ) 120 Days Past Due ( Code 4 ) 150 Days Past Due ( Code 5 ) Charge-Off Status ( Code L ) The timeline and sequence of these codes, along with the charge-off designation for the account, raise concerns about compliance with Metro 2 reporting standards .

Issues Identified Non-Compliance with Metro 2 Reporting Standards The reporting of multiple payment delinquencies and charge-off codes does not align with the data accuracy and consistency required under the Metro 2 framework.

There is no evidence that the creditor followed reasonable procedures to ensure the account status was correctly updated. 
Credit Utilization Inaccuracy The account reflects a balance of {$1300.00} exceeding the credit limit of {$1100.00}, inaccurately inflating my credit utilization ratio and further impacting my creditworthiness. 
Failure to Provide Proper Notification Under 15 U.S.C. 1666b, a creditor may not treat a payment as late unless it mailed or delivered the required billing statement at least 21 days before the payment due date. 
There is no documentation or proof that proper notices of delinquency were provided before escalating the account to charge-off status. 
Misleading and Redundant Charge-Off Reporting The repeated charge-off entries for XXXX through XX/XX/year> result in redundant and misleading reporting, in violation of the FCRAs mandate for maximum accuracy ( 15 U.S.C. 1681e ( b ) ).

Requested Actions I request the following : Removal of Late Payment rating ( 30, 60, 90, 120, and 150 Days Past Due ) If TRANSUNION can not provide verifiable documentation showing compliance with Metro 2 standards and billing notification requirements, these payment ratings should be removed. 
Correction or Removal of Charge-Off Entries The redundant charge-off entries from XXXX to XX/XX/year> must be corrected or removed to ensure accurate reporting. 
Review and Correction of Balance and Credit Limit Update the balance and credit limit data to accurately reflect the account 's status. 
Please consider this a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I request a full investigation into these inaccuracies and corrections to my credit report. If XXXX can not substantiate the reported data, it must be removed immediately.

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