Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : Formal Notice of FCRA Violation Demand for Immediate Removal XXXX  Account XXXX XXXXXXXX To Whom It May Concern, This letter is a formal demand for the complete removal of the XXXX account referenced above from my TransUnion credit file due to multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

TransUnion continues to report this account with five derogatory late payments ( 30, 60, 90, and 120 days ), despite repeated disputes and the fact that both XXXX  and XXXX  have already deleted the tradeline. Your continued reporting is not only factually inaccurate, but it also violates your statutory duty under FCRA 1681e ( b ) to ensure maximum possible accuracy.

In addition, the way this account is being reported does not conform to Metro 2 compliance standards. The payment history you are furnishing jumps illogically from 30 days late to on time and then back to 60 days late, followed by more serious delinquencies. This sequence is not only internally inconsistent and unsupported by actual payment behavior, it violates the required chronological and logical flow of delinquency reporting outlined in Metro 2 guidance.

The ongoing publication of this inaccurate and noncompliant data after being notified constitutes : Willful noncompliance with the FCRA under 1681n, Negligent noncompliance under 1681o, and A failure to reinvestigate properly as required by 1681i ( a ) ( 1 ) ( A ).

This conduct is consistent with the reporting behavior that has already resulted in legal action and damages awarded in : Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) : Where TransUnion was held liable for reporting inaccurate information without adequate verification.

Taylor v. TransUnion LLC, No. 2:19-cv-00174 ( E.D. Va. 2021 ) : In which TransUnion was found liable for maintaining derogatory data after notice, leading to a significant settlement.

Because TransUnion has now been put on formal notice multiple times and continues to furnish false and misleading data, I am demanding the immediate and permanent deletion of this account from my TransUnion credit file. No correction, update, or partial amendment is acceptable, as the reporting is fundamentally flawed and noncompliant with federal law and industry standards.

If this account is not fully removed within 15 days, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Report this violation to my state attorney general, and Pursue legal action for actual, statutory, and punitive damages, along with attorneys fees, as provided by
FCRA 1681n and 1681o.

You are further required to provide written documentation of the method and source of any verification you claim to rely upon. If you can not produce legally compliant validation, the account must be deleted.

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