Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute to TransUnion on XX/XX/2025 ( XXXX XXXX. XXXX ), challenging multiple inaccuracies on my credit report. I also provided a properly executed Limited Power of Attorney authorizing my agent to act on my behalf. TransUnion has : Ignored my agents POA, sending repeated form stall letters asserting only I, the consumer, may disputeeven though 15 U.S.C. 1681i ( a ) explicitly requires them to acknowledge disputes from authorized agents.

Failed to conduct a reasonable reinvestigation, as mandated by FCRA 611 ( 15 U.S.C. 1681i ) and the Metro 2 reporting standard. 

4. Facts & Timeline XX/XX/2025 : Dispute sent via certified mail and fax, disputing : All name variations other than XXXX XXXX ( Metro 2 fields XXXX ) Any address discrepancies ; my sole valid address is XXXX XXXX XXXX, XXXX, GA XXXX ( Metro 2 XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX  : TransUnion issued multiple form letters XXXX stall letters ) refusing to process my dispute because it came via an authorized agent, not directly from me. 

XX/XX/2025 : No substantive reinvestigation results received ; inaccuracies remain on my report. 


XXXX. Legal Violations FCRA 611 ( 15 U.S.C. 1681i ) : Requires reasonable reinvestigation of any disputed item within 30 days of receipt, including disputes submitted by a consumers authorized agent.

Metro 2 Reporting Standard : Mandates data field accuracy and certification of permissible purpose.

Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 data standards, I have the right to dispute any information on my credit report that I believe is inaccurate or unverified. My report contains multiple erroneous and unsubstantiated derogatory items. TransUnion must document and validate each allegation before reporting it. I challenge the following accounts and demand proof of their accuracy, permissible purpose, and compliance with federal/state law : Account Identifier Description Challenged Elements XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX ( Installment ) Payment history, Last Payment, High Balance, status XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Opening date, balance, payment history, status XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Revolving ) Charge-off designation, last activity, high balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ( Revolving ) High balance, last payment, status XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Balance owed, term length, payment status 4. Relevant Facts & Timeline XX/XX/2025 : I reviewed my TransUnion credit report and identified the above-listed accounts as inaccurate or unverified.

Same day : I sent a detailed dispute letter to TransUnion, citing FCRA 611 ( 15 U.S.C. 1681i ) and Metro 2 standards, demanding documentation of each accounts validity and permissible purpose.

Within the next 30 days : TransUnion must reinvestigate each challenged item and either verify its accuracy with certified evidence or delete it from my report.

5. Legal Violations FCRA 611 ( 15 U.S.C. 1681i ) : Requires TransUnion to conduct a reasonable reinvestigation of each disputed item within 30 days of receipt and to correct or delete any information that can not be verified.

Metro 2 Data Standards : Mandate field-level accuracy and certification of permissible purpose ; failure to comply can result in regulatory penalties.

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