Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To : Transunion Dispute team, Re : Formal Dispute Immediate Deletion Required e-OSCAR Code : 112 ( Creditor Not Recognized ) This is a Metro 2 / FCRA compliance dispute. IMMEDIATE DELETION IS REQUIRED.

Metro 2 Field Violations : - Field 11 ( Account Type ) is reported as Open. XXXX has confirmed in writing they do not own this account. Furnishing Open is false. IMMEDIATE DELETION IS REQUIRED.

- Field 17 ( Account Status ) is reported with balance and open status. Correct status is 93 Account closed/transferred/sold. Reporting otherwise is false. IMMEDIATE DELETION IS REQUIRED - Field 21 ( Balance Amount ) is reported with balance. XXXX is not the owner. Balance reporting is false. IMMEDIATE DELETION IS REQUIRED.

- Field 71 ( Date of Account Information ) has been altered/re-aged. This violates FCRA 605 ( c ). IMMEDIATE DELETION IS REQUIRED.

- Fields 153154 ( Compliance Condition Code ) should be coded XR Delete Account. Failure to code properly is false furnishing. IMMEDIATE DELETION IS REQUIRED.

FCRA Violations : - 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information knowingly. IMMEDIATE DELETION IS REQUIRED.

- 623 ( b ) ( 1 ) ( A ) : Failure to conduct reasonable investigation. IMMEDIATE DELETION IS REQUIRED.

- 607 ( b ) : CRA failure to assure maximum possible accuracy. IMMEDIATE DELETION IS REQUIRED.

- 605 ( c ) : Illegal re-aging of account. IMMEDIATE DELETION IS REQUIRED.

- 605B : FTC Identity Theft Report provided. CRA failed to block the tradeline within 4 business days as required. FTC report went unnoticed. This is non-compliance. IMMEDIATE DELETION IS REQUIRED.

-Failure to conduct a reasonable investigation of disputes -Continuing to report inaccurate information after being notified -Relying solely on automated systems ( E-oscar ) without proper review.

-Failure to delete unverifiable information False Furnishing Contradiction : - XXXX response states : XXXX XXXX XXXX XXXX owns the account. 
- XXXX response states : XXXX has neither purchased the debt nor received it through transfer of ownership. XXXX is only acting as a collector on behalf of XXXX. 
- Both can not be true. Furnisher reporting is contradictory, false, and impossible to reconcile. This constitutes knowingly furnishing false information. IMMEDIATE DELETION IS REQUIRED Evidence : Attached XXXX letter confirms they claim XXXX owns the account. 
Attached XXXX letter confirms they deny ownership or transfer. 
Attached FTC report was provided. Bureau failed to honor block within 4 days.

No entity has established ownership. Furnishing is false. Immediate Deletion required.

Demand : This tradeline can not be updated or corrected. It must be deleted.

I demand Immediate Deletion across all credit reporting agencies.

CRA failure under 605B is documented. 
CRA failure under XXXX ( b ) is documented. 
Furnisher failure under XXXX is documented. 
XXXX Deletion is the only resolution. 
Continued furnishing constitutes willful noncompliance. 

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 explanation