Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
COMPLAINT TO TRANSUNION VIA THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXXXXXX XXXX LA XXXX Date : XX/XX/XXXX To : TransUnion Consumer RelationsVia : XXXXonsumer Financial Protection BureauXXXX. XXXX XXXX XXXX, IA XXXX RE : URGENT - Metro 2 Format Violations & Fair Credit Reporting Abuses by XXXX  ( Account Last Reported XX/XX/XXXX ) To Whom It May Concern : I am filing this formal complaint to document critical and willful violations of credit reporting standards by XXXX. My comprehensive review has identified egregious technical violations of Metro 2 Format requirements that demonstrate a pattern of non-compliance with the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Consumer Reporting Resource Guide ( CRRG ) standards. These violations constitute UNFAIR and DECEPTIVE practices that have materially damaged my credit profile, caused demonstrable harm, and systematically impeded my federally protected consumer rights. 
Account Details ( Per Credit Report ) Collection Agency : XXXX Alleged Original Creditor : XXXX ( Same entity improperly listed twice ) Account Balance : {$1000.00} Account Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Open/Placed for collection Consumer Dispute Status : Account information disputed by consumer ( Duplicated ) Specific Technical Metro 2 Format Violations Metro 2 Base Segment Violations 1. Segment Identifier Error ( Field 1 ) : XXXX has improperly coded the Base Segment Identifier by duplicating itself as both creditor and collection agency, violating Field XXXX technical specifications. 
2. Consumer Account Number ( XXXX XXXX  ) : The account identifiers are inconsistently applied between segments, evidenced by duplicate dispute reporting. 
XXXX. XXXX XXXX ( XXXX XXXX ) : No proper designation as specified in Metro 2 format requirements. 
4. Account Type ( XXXX XXXX ) : Completely missing value ( displayed as ), a critical mandatory field violation. 
5. Consumer Information Indicator ( XXXX XXXX ) : Improper coding as evidenced by the duplicate dispute remarks. 
6. Account XXXX ( XXXX XXXX ) : Incorrect status coding for an account under active dispute. 
7. Payment History Profile ( XXXX XXXX ) : Timeline inconsistencies suggesting improper retroactive reporting. 
8. Special Comment ( XXXX XXXX  ) : Failure to properly code disputed account status. 
9. Compliance Condition ( XXXX XXXX ) : Missing appropriate FCRA compliance codes. 
10. ECOA Code ( XXXX XXXX ) : Improperly coded during disputed status, violating ECOA requirements. 
Associated Consumer Segment Violations 1. Consumer Dispute Information ( XXXX XXXXXXXX ) : Critical duplicate coding of disputed status demonstrates systemic Metro 2 formatting failures. 
XXXX XXXX XXXXt Relationship Error : XXXX has failed to properly distinguish collection agency vs. original creditor roles in the required XXXX segments. 
FCRA Section 605 ( a ) ( 5 ) Violations The account appears potentially re-aged based on date inconsistencies, potentially violating the 7-year reporting limitation. This constitutes a direct violation of Section 605 ( a ) ( 5 ) of the FCRA and demonstrates willful non-compliance.

Technical Access Barrier Evidence The persistent 411 Loading error preventing access to my account demonstrates systematic technological barriers to my federally protected rights to access and dispute information ( FCRA Section 609 ).

Fairness Impact Statement The technical violations detailed above demonstrate a pattern of unfair practices that directly harm me as a consumer in the following specific ways : 1. Credit Score Damage : These Metro 2 format violations have caused artificial reduction in my credit score through improper coding and duplicate negative reporting. 
2. Economic Hardship : These inaccuracies have directly resulted in denial of credit, increased interest rates, and reduced financial opportunities, causing quantifiable economic harm.

3. Psychological Impact : The frustration and anxiety caused by being unable to access my own information ( 411 Loading error ) while negative information remains on my report constitutes emotional distress. 
4. Time Burden : I have spent countless hours attempting to resolve these issues, constituting a significant opportunity cost. 
5. Dispute Access Denial : The technical barriers prevent me from exercising my federally protected right to dispute inaccurate information.

Requested Relief Based on the detailed technical Metro 2 format violations outlined above, I request the following specific remedies : 1. Immediate Removal : Complete deletion of the XXXX tradeline due to critical Metro 2 format violations rendering the entire reporting invalid. 
2. Statutory Damages : Payment of {$1000.00} per violation as provided under FCRA Section 616 for willful noncompliance, totaling {$10000.00} for the ten specific Metro 2 Format violations enumerated above. 
3. Civil Penalty Assessment : Investigation into pattern and practice violations under CFPB authority to assess civil penalties for willful non-compliance with XXXXetro 2 standards.

4. Technical Compliance Audit : Full examination of XXXX Metro 2 compliance procedures and systems to identify systemic failures. 
XXXX. Restitution : Compensation for credit score damage, application denials, and increased interest costs directly resulting from these violations. 
6. Injunctive Relief : Order requiring XXXX to immediately fix technical barriers preventing account access. 
I have documented evidence of all violations cited, including screenshots of my credit report and the 411 Loading technical error. I stand ready to provide additional documentation supporting these claims.

The combination of technical Metro 2 violations, inaccurate reporting, and access barriers demonstrates a systematic disregard for consumer protection regulations that merits immediate and decisive enforcement action. 
Respectfully submitted, XXXX XXXX Enclosures : Credit report dated XX/XX/XXXX showing Metro 2 format violations Screenshots of 411 Loading technical access barrier Account statements showing dispute history cc : Federal Trade Commission ( FTC ) - Bureau of Consumer Protection National Credit Reporting Agencies ( XXXXXXXX XXXX, TransUnion ) Consumer Data Industry Association ( CDIA )- Metro 2 Format Standards Committee

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