Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for its continued publication of multiple materially inaccurate and noncompliant tradelines on my consumer file, specifically the following accounts : XXXX XXXX, XXXX XXXX, XXXX, and XXXX  XXXX. 

Each of these tradelines violates the Metro 2 credit reporting format established by the Consumer Data Industry Association ( CDIA ), as well as multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Metro 2 Violations : Field 17 Account Status Code All four accounts are reported with an Account Status Code of 97 ( Charge-Off ), which by Metro 2 definition must be accompanied by a clear write-off amount, a past due amount, and cessation of payments. However, some accounts reflect a {$0.00} scheduled monthly payment ( Field 22 ), conflicting with an Active status or continued delinquencies.

Field 11 Payment Rating Multiple accounts show Pays as Agreed or Current payment ratings while simultaneously being listed as Charged Off with 90+ days late notations. These codes contradict each other and violate the consistency required between payment history and payment rating.

Field 71 Payment History Profile ( PHP ) The payment history profile on these accounts fails to reflect a logically sequential timeline. For example, accounts are simultaneously reporting as Current or " OK '' in recent months and yet still carry a charged-off statusthis is contradictory and a clear Metro 2 failure to follow required time-sequencing of delinquencies.

Field 22 Scheduled Monthly Payment Amount A XXXX XXXX  monthly payment is reported while the tradeline reflects ongoing derogatory status or open collection indicators. This misleads users of the report to believe the account is settled or inactive when it is not. 

Field 78 Special Comment Code / Compliance Condition Code Several accounts are missing the proper comment codes for disputed by consumer, even though formal disputes have been submitted. Failure to update this field violates Metro 2 obligations to reflect dispute status within the 30-day window.

FCRA Violations : FCRA 1681e ( b ) Duty to Ensure Maximum Possible Accuracy TransUnion is reporting materially inconsistent and misleading data. Reporting an account as both Current and Charged Off is facially inaccurate and harms my creditworthiness with third parties.

FCRA 1681i ( a ) Reinvestigation Requirements TransUnion failed to conduct a reasonable reinvestigation and correct these errors after being notified. In several cases, the errors persisted after formal disputes were sent, which demonstrates negligent or willful noncompliance.

FCRA 1681s-2 ( b ) Duty to Correct and Update Inaccurate Information by Furnishers TransUnion , as the publishing CRA, has a legal responsibility to verify that furnishers comply with federal law. Continuing to publish knowingly inaccurate information from XXXX XXXX, XXXX, and others without verification or correction constitutes complicity. 

FCRA 1681c ( a ) ( 4 ) Obsolete Information If any of these charge-off accounts are over seven years from the original date of delinquency, they are legally required to be removed. A detailed breakdown of each delinquency date has not been provided in compliance with this rule.

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