Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Re : Dispute of Inaccurate Credit Report InformationAccount Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXXDate of Birth : XXXX Subject : Formal Dispute Under FCRA, FDCPA, Metro 2, and OCRA for Inaccurate Reporting and Request for Permanent Deletion and Compensation Dear TransUnion, XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am disputing the inaccurate and unverifiable information listed on my credit report for the above-referenced account. The reported data violates Metro 2 compliance, FCRA 1681e ( b ), and OCRA standards. I demand a thorough investigation, correction or permanent deletion of all inaccurate entries, and compensation for damages caused by negligent and willful violations. 
Account Details and Reported Inaccuracies Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Installment ( Unsecured Loan ) Reported Status : Collection/ChargeoffDate Opened : TransUnion : XX/XX/XXXX ; XXXX : XXXXBalance : $ XXXX Credit : $ XXXX Status : Collection/ChargeoffLast Reported : TransUnion : XX/XX/XXXX ; XXXX : XXXXComments : Purchased by another lender ; Charged off as bad debt ; Sold to XXXX XXXX XXXXDate of Last Payment : XXXX of Last Active : TransUnion : XX/XX/XXXX ; XXXX : XXXX Payment History : Inconsistent reporting across bureaus ( e.g., TransUnion shows CO for multiple months, XXXX shows XXXX and XXXX days late, XXXX shows XXXX ). 
Specific Inaccuracies and Violations 1. Inconsistent Date of First Delinquency ( DOFD ) : * The DOFD is not consistently reported across bureaus, violating 15 U.S.C. 1681c. The DOFD is critical for determining the obsolescence period under FCRA 1681c ( a ) ( 4 ). Inconsistent reporting ( e.g., varying dates of last activity and payment ) misleads consumers and creditors, breaching FCRA 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy. 
* XXXX XXXX : XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) establishes that inaccurate XXXX reporting violates FCRAs accuracy requirements. 
XXXX. Inconsistent Payment History and Status Codes : * The two-year payment history shows discrepancies ( e.g., TransUnion reports CO while XXXX reports XXXX or XXXX days late, and XXXX reports XXXX ). This violates Metro 2 Format standards, which mandate uniform status codes across bureaus. Inconsistent status codes mislead potential creditors, violating FCRA 1681e ( b

). * Metro 2 Violation : The furnisher failed to report the accounts role accurately ( e.g., sold to XXXX XXXX XXXX but still reported as active/derogatory ). Per Metro 2 guidelines, purchased accounts must reflect updated ownership and status.

3. Failure to Verify or Delete Unverifiable Data : * Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation, review all dispute information, and delete unverifiable data. The account was reported as Charged off and Purchased by another lender, yet continues to appear as derogatory with a {$0.00} balance, suggesting no active obligation. Failure to verify the debts current status or ownership violates FCRA. 
* Case Law : XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) holds furnishers liable for failing to reasonably investigate disputes. 
4. Electronic Transmission of Misleading Data ( Potential Wire Fraud ) : * The furnishers transmission of inaccurate data via e-OSCAR constitutes misleading communication, potentially violating 18 U.S.C. 1343 ( Wire Fraud ) if done knowingly. Reporting a {$0.00} balance as derogatory without verification misrepresents the accounts status.

5. FDCPA Violations : * If the account is with a debt collector ( e.g., XXXX XXXX XXXX ), continued reporting without validation violates FDCPA 1692g ( b ). The collector must cease collection activities, including credit reporting, until the debt is validated.

6. OCRA Compliance : * The Online Credit Reporting Act ( OCRA ) requires accurate and transparent reporting. Inconsistent dates, status codes, and ownership details violate OCRAs standards for electronic credit reporting systems like e-OSCAR.

Demands Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation within 30 days and delete any information that can not be verified. I demand the following : 1. Permanent Deletion : Remove the account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) from my credit file due to unverifiable and inaccurate reporting, per FCRA 1681i ( a ) ( 5 ).

2. Correct Metro 2 Reporting : Ensure all status codes, DOFD, and ownership details comply with Metro 2 standards.

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