Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion Personal Identifiers Purge + Unauthorized Inquiries Deletion Date : XX/XX/XXXX Via Certified Mail To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, Pennsylvania XXXX Consumer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, California XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Subject : Formal Dispute under FCRA 607 ( b ), 609 ( a ), 611 Remove All Incorrect Names and Addresses ; Delete Unauthorized Hard Inquiries for Lack of Permissible Purpose Dear TransUnion Dispute Department : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( maximum possible accuracy ), 609 ( a ) ( file disclosure ), and 611 ( reinvestigation ), to correct my file immediately.

A. Names Remove All Variants ; Keep Only My Legal Name Remove every name variant from my file and retain only the correct legal name below : Correct name to keep : XXXX XXXX XXXX Names to delete in full : XXXX XXXX XXXX, XXXX XXXX XXXX, and any other variant not exactly matching XXXX XXXX XXXX. 
Maintaining multiple or inaccurate name permutations invites commingling and violates FCRA 607 ( b ) because it reduces accuracy and increases the risk of mixed-file errors.

B. Addresses Delete All Addresses ( Personal and Business ) Listed on My File Delete all addresses associated to me. Do not display any address as active in my published file unless and until I expressly consent after this dispute is concluded. Retain my current mailing address only for correspondence regarding this dispute.

Addresses to delete in full : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Hard Inquiries Delete for Lack of Permissible Purpose ( FCRA 604 ) I dispute the following TransUnion hard inquiries as unauthorized. Under FCRA 604 ( a ), a hard inquiry requires a permissible purpose ( e.g., my written consent for a credit application, or a firm offer of credit under 604 ( c ) ). I never authorized these pulls and there was no permissible purpose. Please delete each inquiry : XXXX Inquired on XX/XX/XXXX. XXXX XXXX XXXX, XXXX, PA XXXX. 
( XXXX ) XXXX. Scheduled to remain until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CT XXXX. 
( XXXX ) XXXX. Scheduled to remain until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX XXXX, XXXX, OH XXXX. ( XXXX ) XXXX. Scheduled to remain until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, TX XXXX. ( XXXX ) XXXX. Scheduled to remain until XX/XX/XXXX. 
Required action : Delete each inquiry above for lack of permissible purpose under FCRA 604.

Provide the Method of Verification under 611 ( a ) ( 6 ) ( B ) ( iii ), including the identity of the person you contacted, the documentation reviewed ( signed application, written consent, or bona fide firm-offer records ), and a copy of any authorization you relied upon.

Provide an updated disclosure of my file under 609 ( a ) reflecting the removals.

If you can not obtain documentary proof of a valid 604 ( a ) purpose for each inquiry, you must delete it per 611 ( a ) ( 5 ). Maintain a litigation hold on all communications and ACDV/AUD logs related to this dispute.

Sincerely, From : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Charged-Off Auto Loan Reporting Demand for Correction/Deletion and Method of Verification ( FCRA 607 ( b ), 609 ( a ), 611 ) Metro 2 Compliance Failures ( XXXX XXXX XXXX  ) Dear Dispute Department : I am disputing inaccurate, incomplete, and Metro 2noncompliant reporting in my consumer file.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 607 ( b ) ( maximum possible accuracy ), 609 ( a ) ( file disclosure ), and 611 ( reinvestigation and method of verification ), please correct or delete the erroneous data detailed below and provide the required Method of Verification.

Item in Dispute ( Auto Loan XXXX XXXX XXXX ) Furnisher/Account Name XXXX XXXX XXXX Account Number ( masked ) XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Status Shown Account charged off. {$29000.00} written off. {$29000.00} past due as of XXXX Status Updated XX/XX/XXXX Balance / Balance Updated {$29000.00} / XX/XX/XXXX Original Balance {$62000.00} Terms 72 Months Responsibility Co-signer Last Payment Date XX/XX/XXXX Comments Transferred to recovery ; Account information disputed by consumer ( meetFurnisher Address Shown XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Specific Inaccuracies/ Metro 2 Compliance Defects Past-Due Amount after Charge-Off ( Metro 2/CRRG Account Status Code 97 ) : Your file shows {$29000.00} past due while simultaneously showing charged off / written off {$29000.00}. Under Metro 2 CRRG guidance for Account Status = 97 ( Charge-Off ), the Past-Due Amount field must be XXXX post charge-off ; reporting a continuing past due equal to the full balance is inaccurate and misleading. This violates FCRA 607 ( b ) and Metro 2 accuracy standards ( e.g., Field 17 Account Status and Past-Due Amount reporting ).

Missing/Unshown Date of First Delinquency ( DOFD Metro 2 Field 25 ) : The DOFD ( used to calculate obsolescence and required for charge-off/collection reporting ) is not disclosed in my file.

Failure to accurately furnish and retain Field 25 ( DOFD ) prevents proper obsolescence handling and violates FCRA 623 ( a ) ( 5 ) duties ( as applied through the CRAs accuracy obligations under 607 ( b ) ).

Conflicting Dates Status Updated vs Balance Updated and Continuous CO Notation : The file shows Status Updated : XX/XX/XXXX, yet Balance Updated : XX/XX/XXXX with continuous CO notation through XX/XX/XXXX and a Last Payment Date of XX/XX/XXXX. This sequence is internally inconsistent and suggests stale or contradictory monthly status coding ( Metro 2 Payment History Profile Fields XXXX and Date of Account Information/Status Date ), undermining maximum possible accuracy ( 607 ( b ) ). If a payment posted XX/XX/XXXX, the monthly coding can not simultaneously show uninterrupted CO for that month without precise Metro 2-compliant treatment.

Transferred to Recovery without Proper Balance/Past-Due Treatment : If the account was transferred to internal recovery ( not sold ), Metro 2 requires consistent coding of Current Balance, Past-Due Amount = XXXX after CO, and comment codes ; if it was sold/assigned, the original creditor should report a {$0.00} Current Balance and no new past-due accrual to avoid double-collection/duplicate derogatory impact. Your current presentation is ambiguous and misleading in violation of 607 ( b ) and Metro 2 CRRG.

Responsibility = Co-Signer Verification Required : If the file lists me as Co-signer, the furnisher must have documentary support and must code responsibility correctly ( Metro 2 ECOA Code / Responsibility ). Please verify the ECOA/Responsibility code and correct if in error. Any mis-coding materially affects risk scoring and liability allocation ( violating 607 ( b ) ).

Required Actions A. Correct or Delete : Set Past-Due Amount to {$0.00} for all months after the recorded charge-off ( Metro 2 Status 97 ), or delete the tradeline if accurate coding can not be substantiated.

Populate and furnish the DOFD ( Field 25 ) ; ensure the Status/Date of Account Information accurately reflects the timeline.

If transferred to recovery, ensure all balance/past-due and comment fields conform to Metro 2 ; if sold/assigned, set Current Balance = {$0.00} and remove any past due display.

Recalculate and correct the Payment History Profile for months showing CO that conflict with the XX/XX/XXXX payment event.

B. Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) : Provide the name of each person you contacted, documents reviewed, and the precise Metro 2 fields/codes used to verify this tradeline, including : Field 17 ( Account Status ), Field 25 ( DOFD ), Fields 7178 ( Payment History Profile ), ECOA/Responsibility code, Date of Account Information/Status Date, Current Balance, Charge-Off Amount, Past-Due Amount.

Provide copies of furnisher response records ( ACDV/AUD ) substantiating each data point.

Provide accounting support for the charge-off amount, any post-charge-off payments/adjustments, and the rationale for continuous CO coding after XX/XX/XXXX. 
C. Compliance Reminder ( Case Law & Duties ) : Your reinvestigation must be reasonable and data-driven. See Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) ( reasonable reinvestigation ), Johnson v. MBNA, 357 F.3d 426 ( 4th Cir. 2004 ) and Gorman v. Wolpoff & Abramson, 584 F.3d 1147 ( 9th Cir. 2009 ) ( furnisher duties and accuracy ). If the furnisher can not verify with competent documentary evidence, you must delete per 611 ( a ) ( 5 ).

Response Deadline and Delivery Please complete your reinvestigation within 30 days ( FCRA 611 ( a ) ( 1 ) ) and mail me : Written confirmation of corrections/deletion ; The Method of Verification and an updated 609 ( a ) disclosure showing the corrected data.

If you maintain this reporting without documentary support, I will escalate with regulators and evaluate civil remedies under 616/617.

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Charged-Off Auto Loan Reporting Demand for Correction/Deletion and Method of Verification ( FCRA 607 ( b ), 609 ( a ), 611 ) Metro 2 Compliance Failures ( XXXX XXXX XXXX  ) Dear Dispute Department : I am disputing inaccurate, incomplete, and Metro 2noncompliant reporting in my consumer file. Pursuant to the Fair Credit Reporting Act ( FCRA ) 607 ( b ) ( maximum possible accuracy ), 609 ( a ) ( file disclosure ), and 611 ( reinvestigation and method of verification ), please correct or delete the erroneous data detailed below and provide the required Method of Verification.

Item in Dispute ( Auto Loan XXXX XXXX XXXX ) Furnisher/Account Name : XXXX XXXX XXXX Account Number ( masked ) : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status Shown : Account charged off. {$29000.00} written off. {$29000.00} past due as of XX/XX/XXXX. 

Status Updated : XX/XX/XXXX Balance / Balance Updated : {$29000.00} / XX/XX/XXXX Original Balance : {$62000.00} Terms : 72 Months Responsibility : Co-signer Last Payment Date : XX/XX/XXXX Comments : Transferred to recovery and Account information disputed by consumer ( meets requirement of the Fair Credit Reporting Act ). 

Furnisher Address Shown : XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Specific Inaccuracies/ Metro 2 Compliance Defects Past-Due Amount after Charge-Off ( Metro 2/CRRG Account Status Code 97 ) : Your file shows {$29000.00} past due while simultaneously showing charged off / written off {$29000.00}. Under Metro 2 CRRG guidance for Account Status = 97 ( Charge-Off ), the Past-Due Amount field must be XXXX post charge-off ; reporting a continuing past due equal to the full balance is inaccurate and misleading. This violates FCRA 607 ( b ) and Metro 2 accuracy standards ( e.g., Field 17 Account Status and Past-Due Amount reporting ).

Missing/Unshown Date of First Delinquency ( DOFD Metro 2 Field 25 ) : The DOFD ( used to calculate obsolescence and required for charge-off/collection reporting ) is not disclosed in my file. Failure to accurately furnish and retain Field 25 ( DOFD ) prevents proper obsolescence handling and violates FCRA 623 ( a ) ( 5 ) duties ( as applied through the CRAs accuracy obligations under 607 ( b ) ).

Conflicting Dates Status Updated vs Balance Updated and Continuous CO Notation : The file shows Status Updated : XX/XX/XXXX, yet Balance Updated : XX/XX/XXXX with continuous CO notation through XX/XX/XXXX and a Last Payment Date of XX/XX/XXXX. This sequence is internally inconsistent and suggests stale or contradictory monthly status coding ( Metro 2 Payment History Profile Fields 7178 and Date of Account Information/Status Date ), undermining maximum possible accuracy ( 607 ( b ) ). If a payment posted XX/XX/XXXX, the monthly coding can not simultaneously show uninterrupted CO for that month without precise Metro 2compliant treatment.

Transferred to Recovery without Proper Balance/Past-Due Treatment : If the account was transferred to internal recovery ( not sold ), Metro 2 requires consistent coding of Current Balance, Past-Due Amount = XXXX after CO, and comment codes ; if it was sold/assigned, the original creditor should report a {$0.00} Current Balance and no new past-due accrual to avoid double-collection/duplicate derogatory impact. Your current presentation is ambiguous and misleading in violation of 607 ( b ) and Metro 2 CRRG.

Responsibility = Co-Signer Verification Required : If the file lists me as Co-signer, the furnisher must have documentary support and must code responsibility correctly ( Metro 2 ECOA Code / Responsibility ). Please verify the ECOA/Responsibility code and correct if in error. Any mis-coding materially affects risk scoring and liability allocation ( violating 607 ( b ) ).

Required Actions A. Correct or Delete : Set Past-Due Amount to {$0.00} for all months after the recorded charge-off ( Metro 2 Status 97 ), or delete the tradeline if accurate coding can not be substantiated.

Populate and furnish the DOFD ( Field 25 ) ; ensure the Status/Date of Account Information accurately reflects the timeline.

If transferred to recovery, ensure all balance/past-due and comment fields conform to Metro 2 ; if sold/assigned, set Current Balance = {$0.00} and remove any past due display.

Recalculate and correct the Payment History Profile for months showing CO that conflict with the XX/XX/XXXX payment event.

B. Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) : Provide the name of each person you contacted, documents reviewed, and the precise Metro 2 fields/codes used to verify this tradeline, including : Field 17 ( Account Status ), Field 25 ( DOFD ), Fields 7178 ( Payment History Profile ), ECOA/Responsibility code, Date of Account Information/Status Date, Current Balance, Charge-Off Amount, Past-Due Amount.

Copies of furnisher response records ( ACDV/AUD ) substantiating each data point.

Accounting support for the charge-off amount, any post-charge-off payments/adjustments, and the rationale for continuous CO coding after XX/XX/XXXX. 

C. Compliance Reminder ( Case Law & Duties ) : Your reinvestigation must be reasonable and data-driven. See Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) ( reasonable reinvestigation ), Johnson v. MBNA, 357 F.3d 426 ( 4th Cir. 2004 ) and Gorman v. Wolpoff & Abramson, 584 F.3d 1147 ( 9th Cir. 2009 ) ( furnisher duties and accuracy ). If the furnisher can not verify with competent documentary evidence, you must delete per 611 ( a ) ( 5 ).

Response Deadline and Delivery Please complete your reinvestigation within 30 days ( FCRA 611 ( a ) ( 1 ) ) and mail me : Written confirmation of corrections/deletion ; and The Method of Verification and an updated 609 ( a ) disclosure showing the corrected data.

If you maintain this reporting without documentary support, I will escalate with regulators and evaluate civil remedies under 616/617. 

Respectfully, 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