Consumer complaint received 2025-11-28 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: NJ

Complaint narrative:
CFPB COMPLAINT REQUEST FOR INVESTIGATION & IMMEDIATE DELETION OF NON-COMPLIANT REPORTING Subject : XXXX XXXX XXXX XXXX  Reporting of Inaccurate, Non-Compliant, and Unverified Information Bureaus Involved : XXXX XXXX TransUnion Consumer : XXXX XXXX I am filing this complaint because XXXX XXXX  TransUnion are continuing to furnish, maintain, and verify patently inaccurate, non-compliant, and misleading information related to an XXXX XXXX account ( Acct. No. XXXX ). I am requesting that the CFPB open an immediate investigation and compel full deletion of this account due to multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA, where applicable ), and the Consumer Data Industry Associations ( CDIA ) Metro 2 Credit Reporting Standards. 

XXXX. The Furnisher and Credit Bureaus Are Reporting an Impossible and Non-Compliant Status ( Charge-Off While Still Reporting Balance * * * ) The bureaus continue to report : Status : Account charged off. {$1300.00} written off. {$570.00} past due as of XX/XX/year>. 

Balance : {$570.00} Under FCRA 602 ( A ), 607 ( b ), 611, and Metro 2 guidelines, a charged-off account can not simultaneously reflect an active past-due balance that continues increasing or aging as if it were an open, delinquent account. This is materially misleading, inaccurate, and non-compliant, especially after multiple disputes. 

Metro 2 standards require a charged-off account to be reported with CO status and zero past-due balance, not an ongoing delinquent balance. Reporting a past-due amount after the charge-off event is expressly inconsistent with Metro 2 Format guidelines .

This alone requires full deletion under FCRA 1681i ( a ) because the data is incompetent and unverifiable.

2. The Account Is Under Dispute Yet No Dispute Code ( XXXX  ) Appears Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), and Metro 2 : when a consumer disputes an account, the furnisher must report the account using Compliance Condition Code XB to indicate an active dispute under investigation. 

Instead, XXXX XXXX  TransUnion continue to display : ND or no dispute notation whatsoever This is a clear legal violation because any creditor or CRA that fails to label a disputed account as disputed is furnishing information that is statutorily inaccurate. 

The absence of the Metro 2 XB  dispute code means the bureaus knowingly maintain misleading and incomplete dataconstituting a violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty to provide accurate info ) FCRA 1681i ( a ) ( proper reinvestigation ) FCRA 1681e ( b ) ( reasonable procedures to assure maximum accuracy ) The bureaus failure to tag the account as disputed proves their reinvestigation process is defective and non-compliant. 

3. ND  Codes in the Payment History Are Not Metro 2 Compliant The account payment history includes several ND ( No Data ) codes during periods where payment data should exist if the account were verified as accurate. 

Metro 2 does not permit arbitrary ND placement to mask missing, incomplete, or unverifiable payment information. 

ND is not a permissible substitute for proper codes when : the furnisher claims the account is valid the payment history is required to substantiate the derogatory reporting the CRA claims to have verified the account This is further evidence the tradeline is incomplete, unverifiable, and inaccurate. 

4. XXXX XXXX  TransUnion Have Failed to Provide Documentation or Meaningful Reinvestigation Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and Regulation V, when a consumer disputes an account and requests verification, the CRA must provide : description of the procedures used the methods of verification the name and contact information of the party verifying the data any documentation relied upon Despite multiple disputes, neither bureau has provided any verification documentation, including : no contract no payment records no charge-off ledger no admissible evidence supporting the balance no documentation showing Oportun verified the data Both bureaus simply updated the account with the vague note : This item was updated from our processing of your dispute in XX/XX/year>. 

This does not satisfy FCRA 611 requirements for an adequate reinvestigation.

This constitutes a willful violation under FCRA 616 and 617.

5. Harm and Damages The inaccurate reporting has : depressed my credit scores caused denials of credit and financial services hindered current financial opportunities resulted in ongoing reputational harm These damages persist solely because the CRAs and furnisher refuse to remove data they can not lawfully verify. 

Requested Relief Immediate Deletion Because the account is : factually inaccurate incomplete unverifiable non-compliant with FCRA & Metro 2 improperly verified lacking dispute notation unlawfully reported as charged-off with a continuing past-due balance I am requesting that the CFPB : Order XXXX XXXX TransUnion to immediately delete the XXXX XXXX  account. 

Compel the bureaus to provide the full documentation used during their verification. 

Investigate XXXX furnishing practices for systemic FCRA 623 violations.

Impose sanctions or corrective actions should the furnisher or bureaus continue reporting non-compliant data or fail to maintain Metro 2 accuracy.

Deletion is the only permissible remedy when data is inaccurate, unverifiable, or furnished in violation of federal law. Correction can not cure Metro 2 and FCRA violations that were never validly verified in the first place.

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