Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Continued FCRA and Metro 2 Violations To Whom It May Concern, This is a formal dispute and complaint regarding inaccurate, incomplete, and unverifiable information currently appearing on my TransUnion credit file. These items violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1681e ( b ) : Duty to follow reasonable procedures to assure maximum possible accuracy.

1681i : Duty to conduct a reasonable reinvestigation and promptly delete unverifiable information.

1681s-2 ( a ) : Duty of furnishers not to report inaccurate information.

They also violate Metro 2 compliance standards for accuracy, status coding, and duplicate reporting. Detailed Violations TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7900.00} XXXX XXXX FCRA Violations : o Account was previously disputed yet remains reported as charged-off and derogatory. This violates 1681i ( a ) ( 5 ) ( A ), which requires deletion of unverifiable data.

o Continued derogatory reporting despite unresolved dispute violates 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Metro 2 Violations : o Account Status Code 97 ( Charge-off ) conflicts with the Consumer Information Indicator showing Dispute resolved. Once resolved, derogatory coding must be removed, not retained. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4500.00} XXXX XXXX FCRA Violations : o Continued re-reporting after disputes is a direct violation of 1681i.

o Labeling account both Charge-off and Canceled by credit grantor misrepresents the status, failing 1681e ( b ).

o Furnisher obligations under 1681s-2 are violated by XXXX XXXX XXXX XXXX supply inaccurate coding.

Metro 2 Violations : o Conflicting codes ( Status XXXX + Payment Rating D ) are prohibited and mislead automated scoring. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1500.00} XXXX XXXX FCRA Violations : o Reporting unverifiable collection without original creditor validation violates 1681i and 1681s-2 ( a ).

o Absence of Date of First Delinquency ( DOFD ) fails 1681e ( b ) because the account can not be properly aged or validated.

Metro 2 Violations : o Missing XXXX Segment data ( original creditor, DOFD ). Reporting without these fields is noncompliant and misleading. 
Summary of TransUnion Violations Re-aging and re-reporting disputed accounts ( XXXX, XXXX, XXXX ). 
Failure to delete unverifiable accounts ( 1681i ).

Misleading, contradictory coding in violation of both FCRA and Metro 2.

Failure to maintain maximum possible accuracy ( 1681e ( b ) ).

Requested Actions TransUnion 1. Immediately delete the above accounts from my file.

2. Provide documentation proving accuracy and validity, including original contracts and full payment histories.

3. Stop the deceptive practice of re-coding disputed accounts under altered names/statuses.

4. Ensure full FCRA and Metro 2 compliance moving forward.

Failure to comply will result in further escalation through CFPB, FTC, and legal action. Sincerely, XXXX XXXX XXXX

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