Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am filing a formal complaint against TransUnion for the systemic, materially inaccurate, and non-compliant reporting of three tradelines : two from XXXX XXXX XXXX XXXX ( Account # : XXXX ), one from XXXX XXXX XXXX ( Account # : XXXX ), and one from XXXX XXXX ( Account # : XXXX ). First, TransUnion is reporting duplicate tradelines from the same creditor XXXX XXXX XXXX  with nearly identical balances ( {$950.00} and {$900.00} ), limits ( {$950.00} and {$900.00} ), and high credit ( {$1100.00} and {$1200.00} ), while both show the same consumer, same monthly payment ( $ XXXX {$46.00} ), and identical statuses of Paid or paying as agreed. These accounts are being reported without any closure, transfer, or consolidation remarks, violating FCRA 1681e ( b ) which mandates maximum possible accuracy, and constitutes a textbook Metro 2 duplicate tradeline violation. Both show a 30-day late mark in XX/XX/year>, yet neither has been updated using Metro 2 Code 11 to reflect current status. TransUnion has also inserted the comment Dispute resolved reported by grantor without issuing any lawful reinvestigation results or compliance with FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) and without applying dispute codes XB or XR, which violates Metro 2 dispute handling. Second, TransUnions reporting on XXXX XXXX  XXXX claims the account is current and Paid or paying as agreed but simultaneously lists a 30-day late from XX/XX/year> and previous derogatory data with no transition code or account status correction, again violating Metro 2 Format ( Field 17 & Payment Rating codes ). This unresolved derogatory data actively suppresses my score. The reinvestigation was mishandled, lacking proper documentation or verification methods, again violating FCRA 1681i ( a ) and 1681e ( b ). Lastly, the XXXX XXXX account reflects the exact same violation pattern : marked Paid or paying as agreed, while a XXXX late mark from XX/XX/year> remains with no correction, Metro 2 code update , or dispute documentation provided. The phrase Dispute resolved reported by grantor was placed on file again without supporting reinvestigation records or disclosure of results. TransUnion failed to use required dispute codes ( XB/XR ) during the dispute window and failed to ensure accuracy during reinvestigation, violating both the FCRA and Metro 2 once more. The presence of these errors is not only noncompliant, it materially misleads lenders, distorts my credit profile, and causes tangible harm. I demand the immediate deletion of both XXXX XXXX tradelines, and full reinvestigation or deletion of the XXXX XXXX  and XXXX accounts. TransUnions failure to lawfully investigate and correct this data makes continued reporting a willful violation under FCRA 1681n and 1681o.

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