Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
Recently I found several issues with the noted credit inquiry ( XXXX ) and injurious versus me on my credit report that I have NO knowledge of any noted proof of the required physically verified proof of valid permissible purpose much less demonstrated certified compliance of reporting even to the required METRO 2 format reporting standard ( XXXX ), hence my check for veritably perfect and lawful reporting and my challenge contesting ANY DEFICIENCY of reporting or PROOF OF MANDATED ASPECTS OF REPORTINGas is my consumer RIGHT TO DEMAND that only PROVABLE confirmed and COMPLIANT claims report versus me and my RIGHT TO FORCIBLY DEMAND ERADICATION of any claim ( XXXX ) not compete and perfect in its evidence of verifiability, validity and or compliance of reporting. I can and will in a court of civil action versus you provide ample document evidence supporting the FACTS of your QUESTIONABLE REPORTING and as well clarity that indeed I followed the exact official notice of the law and contacted the Credit Bureaus XXXX TransUnion/XXXX/XXXX  XXXX and OTHERS in complaint versus and contesting the certified compliance of the validity of these claims of Inquiry ( XXXX ) and any derogatory debt or delinquencies related, if any at all. I ALSO contacted the creditor ( XXXX ) and or data furnisher ( XXXX ) directly checking for compliant reporting evidence and contesting any claim in ANY MANNER as PERFECT CORRECT intact PROVABLE VALID COMPLIANT CLAIMS are the MINIMUM REQUIREMENT for lawful reporting ( XXXX ) not an OPTIONAL condition of it. Several representatives were not even capable of informing me that the name ( XXXX ) and other personal identifier as listed on the inquiry ( XXXX ) and associated accounts ( if any ) did not match my submitted credibly correct personal identifier most accurately as I have included at the top and near bottom of this exact of deficiencies such as issues with name spelling or other identity indicators others could not provide me with any about the application because their firms DID NOT retain the on this inquiry. I attempted to contact the XXXX credit reporting agencies to speak with someone about this problem, and the facts that the was either not retained by the creditors or not mine or else wise is significantly invalidly. I contacted each CRA and was informed that their records were correct they declined to substantiate the claim and informed me I could file a fraud report If I WISHED! In response, I am firing off this last resort requesting your appropriate actions to resolve this matter PREVIOUS my soon to be filed civil complaint and lawsuit ( XXXX ). 
Since your firm has knowingly violated both federal and state law, I am demanding that you CEASE all reporting activities IMMEDIATELY! Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once. 
Below listed are the questionable if not altogether erroneous inquiries you are reporting, each of which REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY : XXXX  XXXX BANK XXXX * * * * Open NEGATIVE Other/Unknown Accounts DELINQUENCY LATE ( XXXX ) -related accounts XXXX  XXXX BANK reported with XXXX XXXX XXXX XXXX XXXX and alleged to be Late1-2 Alleged is reported in deficiency of reporting mandates and or rites therefore the deceptive calumny must be eradicated as is my in a manner acceptable requested resolution, please do so HERE AND NOW! This claim has suggested ailments in at least XXXX or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : reported as In regard to item questioned above, Data Reporter Identification Number Experian, XXXX for Trans Union, and as Not Reporting for Not Reporting for Equifax are XXXX, XXXX, or each apparently in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). 
OBVIOUSLY, INTEGRITY is the intention of fair and ethical reporting satiety! 
On the subject of the item questioned above, Account 's Closed Date : Experian, Not Reporting for Trans Union, and as reported as Not Reporting for Not Reporting for Equifax and as such is XXXX, each or all in aberrancy from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is evidently reported XXXX or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting proclivity! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards. 
While on the subject, the item questioned above, Data Reporter Name XXXX, XXXX XXXX BANK for Trans Union, and as reported as Not Reporting for Not Reporting for Equifax for Equifax and as such are XXXX or more apparently deficient of its exigency of reporting complaisance! 
In regard to item questioned above, Creditor Type : Credit Cards for Trans Union, and as reported as Bank Credit Cards for Experian, Bank All Banks for Equifax and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards. 
Against the item questioned above, Past Due Amount : Reporting for Trans Union, and as reported as Not Reporting for Experian, Not Not Reporting for Equifax and as such is XXXX, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are XXXX or more apparently deficient of its exigency of reporting sufficiency and or amenability! 
In regard to item questioned above, Account Terms Length : Not Reporting for Trans Union, and as reported as Not Reporting for Experian, Not Reporting for Equifax are XXXX, XXXX, or each apparently in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). 
OBVIOUSLY, INTEGRITY is a desideratum of adequacy in fair and ethical reporting practices if not legally as well! 
As to and in consideration of the item questioned above, Data Reporter City, State, and Postal Zip Code reported as Not Reporting for XXXX, XXXX XXXX, NV, XXXX for Trans Union, and as Not Reporting for XXXX  and as such is XXXX, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its magisterial mandates as its prerequisite for compliant conformity in reporting. This field, as reported, is a deviation from the established CDIAs reporting standards and or is reported XXXX or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting!

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