Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California Date : XX/XX/year>XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Re : Formal Dispute and Request for Immediate Removal of Inaccurate Information To Whom It May Concern, I am writing to formally dispute several inaccuracies that I have identified in my TransUnion credit report, dated as of XX/XX/year>. Upon reviewing my credit report, I found multiple items that I believe are untrue, incomplete, incorrect, untimely, and/or non-compliant with Metro 2 reporting standards. These items must be immediately investigated and removed from my credit report. 
Below are the items I am disputing and request to be deleted : Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed more than once ) Employment Allegations : XXXX. XXXX XXXX. XXXX XXXX. 
Aliases/Other Names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Telephone Numbers : XXXX. XXXX Accounts : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Notation : Per XXXX  and XXXX regulations, reporting must be deleted if not proven to be accurate, complete, timely, and Metro 2 compliant. 
XXXX. XXXX Account Number : XXXX Notation : Per XXXX  and XXXX  regulations , reporting must be deleted if not proven to be accurate, complete, timely, and Metro 2 compliant 3. XXXX XXXX Account Number : XXXX Notation : Per XXXX  and XXXX regulations, reporting must be deleted if not proven to be accurate, complete, timely, and Metro 2 compliant XXXX. XXXX  Account Number : XXXX Notation : Per XXXX  and XXXX regulations, reporting must be deleted if not proven to be accurate, complete, timely, and Metro 2 compliant XXXX. XXXX XXXX-Account Number : XXXX  Per XXXX  and XXXX  regulations , reporting must be deleted if not proven to be accurate, complete, timely, and Metro 2 compliant 6. XXXXAccount Number : XXXX Per XXXX  and XXXX  regulations, reporting must be deleted if not proven to be accurate, complete, timely, and Metro 2 compliant 7 XXXX XXXX XXXX Account Number : XXXX  Per XXXX and XXXX regulations, reporting must be deleted if not proven to be accurate, complete, timely, and Metro 2 compliant 8. XXXXAccount Number : XXXX  Per XXXX  and XXXX regulations , reporting must be deleted if not proven to be accurate, complete, timely, and Metro 2 compliant 9. XXXX-Account Number : XXXX  Per XXXX  and XXXX  regulations , reporting must be deleted if not proven to be accurate, complete, timely, and Metro 2 compliant 10. XXXX Number : XXXX  Per XXXX  and XXXX  regulations , reporting must be deleted if not proven to be accurate, complete, timely, and Metro 2 compliant I request that you provide clear evidence proving these items are accurately reported and fully comply with Metro 2 reporting standards, as required by law. Specifically, I am requesting proof of verification and validation for each account, including personal identifiers, creditor classification codes, balances, transaction history, and the exact 426-character P-Segment required for Metro 2 compliance. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following : 1. A full explanation of why any item you refuse to remove remains on my report.

2. Proof that these items are in compliance with the Metro 2 standards.

3. Certification of the actions taken to verify the accuracy and completeness of each reported item. 
Under FCRA Section 609 ( a ) ( 1 ) ( A ), I also request the following documentation : The original signed consumer contract for each account listed.

The names, addresses, and contact information of individuals who were contacted during your investigation. 
Furthermore, I request an updated copy of my credit report reflecting these changes, as required under FCRA Section 612 [ 15 USC 1681j ]. Please ensure that there are no charges for this updated report.

If I do not receive a response or confirmation of the removal of these disputed items within 30 days, I will consider taking further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for violations of the Fair Credit Reporting Act. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, 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 explanation