Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
DEMAND FOR IMMEDIATE DELETION BASED ON CRITICAL XXXX VIOLATIONS XXXX XXXX XXXXXX/XX/XXXX, LA XXXX XX/XX/XXXX TransUnion XXXX : Consumer Dispute Department XXXX XXXX XXXX XXXX, PA 19016 SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTEDRe : DEMAND FOR IMMEDIATE DELETION BASED ON CRITICAL XXXX XXXX File # : XXXX To Whom It May Concern : I am writing to demand the IMMEDIATE deletion of ALL accounts from my TransUnion credit file based on pervasive and critical violations of the Credit Reporting Resource Guide ( CRRG ) standards and Metro2 Format requirements. This is not a standard dispute but a LEGAL DEMAND FOR DELETION based on TransUnions failure to maintain even basic compliance with industry-mandated technical standards. 
Critical XXXX Violations In My Credit File My TransUnion consumer disclosure dated XX/XX/XXXX ( File # XXXX ) contains the following CRITICAL CRRG violations that render the ENTIRE report technically invalid : 1. COMPREHENSIVE FUTURE DATE REPORTING ( Critical Technical Violation ) The following accounts contain IMPOSSIBLE future dates that fundamentally violate the Metro2 Format specification : XXXX XXXX # XXXX : ** Date Opened : XX/XX/XXXX ( FUTURE DATE ) Date Updated : XX/XX/XXXX ( FUTURE DATE ) XX/XX/XXXX# XXXX : ** Date Updated : XX/XX/XXXX ( FUTURE DATE ) Last Payment Made : XX/XX/XXXX ( FUTURE DATE ) Date Closed : XX/XX/XXXX ( FUTURE DATE ) XX/XX/XXXX # XXXX : ** Date Updated : XX/XX/XXXX ( FUTURE DATE ) Last Payment Made : XX/XX/XXXX ( FUTURE DATE ) Date Closed : XX/XX/XXXX ( FUTURE DATE ) XXXXXX/XX/XXXXXXXX. # XXXX : ** Date Opened : XX/XX/XXXX ( FUTURE DATE ) Date Updated : XX/XX/XXXX ( FUTURE DATE ) Last Payment Made : XX/XX/XXXX ( FUTURE DATE ) High balance reporting for periods XX/XX/XXXX to XX/XX/XXXX ( IMPOSSIBLE FUTURE TIMEFRAME ) Account Review Inquiries : Multiple future-dated inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per CRRG Module 1, Section 1.3, all reported dates must reflect actual historical events. The CRRG specifically prohibits reporting future-dated information as this fundamentally corrupts Metro2 data integrity.

2. PAYMENT HISTORY PROFILE CODE VIOLATIONS ( Technical Format Violation ) The payment history profile displays OK and N/R notations instead of the proper Metro2 payment history profile codes ( 0, 1, 2, etc. ) mandated by CRRG Module 4, Section 4.7. This represents an improper implementation of Metro2s standardized codes.

3. ACCOUNT STATUS CODE INCONSISTENCIES ( CRRG Violation ) Multiple accounts show Current status while simultaneously reporting future dates, w
hich creates an irreconcilable logical contradiction under CRRG Module 6 requirements.

4. COMPLETE ABSENCE OF REQUIRED ECOA CODES ( Regulatory Violation ) All accounts list Individual Account designation but fail to display the mandatory ECOA codes ( 1, 2, 3, etc. ) required by CRRG Module 5, Section 5.3 and the Equal Credit Opportunity Act. 5. DATE OF LAST ACTIVITY ( DLA )
CALCULATION ERRORS ( Technical Violation ) Future-dated activity makes proper DLA calculation impossible, violating CRRG Module 2, Section 2.9 requirements for proper calculation of the critical DLA field . 
XXXX. XXXX SEGMENT INTEGRATION FAILURES ( Structural Violation ) The presence of future dates across multiple data segments indicates critical failures in maintaining proper Metro2 segment relationship integrity as required by CRRG Module 3.

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