Consumer complaint received 2025-06-03 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:
To : Transunion Subject : Method of Verification Request FCRA and Metro 2 Violations Creditor : XXXXXXXX XXXX Original Open Date : XX/XX/XXXX Reported Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Account Status : Closed / Transferred {$0.00} Balance Reported Delinquency : XXXX  Days Late ( XXXX ) Payment History : 96 % On-Time Account Type : FHA Mortgage Loan Remark : Transferred to another lender Dear Transunion I am formally requesting the Method of Verification under FCRA 611 ( a ) ( 7 ) regarding the alleged XXXX late payment reported on the above-referenced XXXX XXXX account. This account was closed and transferred to another lender on XX/XX/XXXX, and shows a {$0.00} balance and current status. 

Despite the account being closed in good standing and transferred, your credit report reflects a XXXX delinquency without clear substantiation. I believe this reporting may violate both the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards.

Requested Items FCRA 611 ( a ) ( 7 ) Please provide the following : A detailed description of the procedure used to verify the accuracy of the reported late payment. 

The name, address, and contact information of the furnisher or third party that verified the information. 

Copies of all documents and records used to verify this alleged delinquency, including internal records, billing statements, or logs from XXXX XXXX. 

Cited Violations FCRA Violations 1681e ( b ) Credit bureaus must maintain maximum possible accuracy. Reporting an account as current and closed while simultaneously reporting delinquency is inherently inconsistent and misleading.

1681i If information is disputed and can not be verified, it must be deleted.

1681s-2 ( b ) Furnishers are obligated to correct or remove inaccurate data once notified.

Metro 2 Violations Inconsistent Status Reporting An account that is closed, transferred, and has a {$0.00} balance must not report new delinquencies or continue to degrade payment history after closure.

Conflicting Remarks The status indicates Transferred to another lender with no active balance, yet derogatory information remains, violating Metro 2 Field XXXX ( Account Status ) and Field XXXX ( Payment Rating ). 

Historical Accuracy Violation If the delinquency reported ( XXXX days ) lacks specific month and year detail, or occurred after the transfer or last payment, it is both unverifiable and misleading. 

Requested Resolution Please take the following steps : Delete the reported late payment if XXXX XXXX  did not substantiate it with documentation ; Provide documentation of the original record of delinquency if it occurred prior to account transfer ; Confirm that all data fields ( status, payment history, remarks ) are being reported in compliance with Metro 2 and the FCRA.

If you can not verify this late payment with documentation, you are required by federal law to remove the derogatory information from my credit report. 

Failure to comply within 15 days will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies available under the FCRA. 

Sincerely, 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