Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This letter serves as a * * final legal dispute and demand for deletion * * of the following * * unauthorized, inaccurate, and fraudulent accounts * * currently being reported on my TransUnion credit file : 1. XXXX XXXX XXXX XXXX XXXX  Charge Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( COLLECTION status ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( COLLECTION status ) These accounts were * * never opened or authorized by me * *. The information being reported is * * incomplete, inaccurate, and unverifiable * *, and constitutes a * * direct violation * * of my rights under the * * Fair Credit Reporting Act ( FCRA ) * * and * * Metro 2 data reporting standards * *. 

Despite repeated disputes, * * TransUnion has failed to take any corrective action * *, and these accounts continue to appear on my report. This ongoing * * willful inaction * * is not only unethical, it is * * unlawful * *. 

VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) * * 1. 15 U.S.C. 1681i ( a ) : * * TransUnion is required by law to * * reinvestigate any disputed item within 30 days * * and delete or correct any information that is * * inaccurate, incomplete, or can not be verified * *. You are currently in * * noncompliance * *.

* * 2. 15 U.S.C. 1681e ( b ) : * * You must follow procedures to assure * * maximum possible accuracy * *. Continuing to report * * fraudulent and unverifiable data * * directly violates this section.

* * 3. 15 U.S.C. 1681c-2 ( a ) : * * As a victim of fraud, I have the right to * * block and remove unauthorized accounts * *. These two accounts qualify under this section and must be removed immediately.

METRO 2 COMPLIANCE VIOLATIONS The * * Metro 2 Format * *, created by the * * XXXX XXXX XXXX XXXX ( XXXX ) * *, is the standardized credit reporting format that TransUnion is required to follow. It mandates : * * * Complete and accurate data reporting * * * Accurate reporting of * * account status * *, * * dates of delinquency * *, and * * dispute flags * * * The * * removal of unverifiable or fraudulent accounts * * The data on these two accounts does * * not comply * * with Metro 2 standards. By reporting them without verifying legitimacy, you are * * violating industry protocol * * and causing financial harm. 

RECENT LEGAL ACTION AGAINST TRANSUNION TransUnion has * * already been held accountable * * for conduct that closely mirrors my experience : * In XXXX XXXX XXXX XXXX XXXX the * * Consumer Financial Protection Bureau ( CFPB ) * * filed a lawsuit against TransUnion and its senior executives for * * continuing to report inaccurate information * *, * * failing to honor consumer disputes * *, and using * * deceptive practices * *. The result : TransUnion was fined * * \ {$5.00} XXXX * * and ordered to pay * * \ {$13.00} XXXX in restitution * *. 

* In * * Ramirez v. TransUnion ( XXXX ) * *, the * * U.S. Supreme Court * * found TransUnion liable for * * violating consumer rights * * under the FCRA by providing * * inaccurate and damaging credit information * *, and * * failing to act even after disputes were filed * *. 

These rulings reflect a pattern of misconduct by TransUnion, and my situation fits that same unlawful behavior. 

FINAL WARNING & ACTION PLAN Let this serve as * * your final legal notice * *. You are * * required to * * : * * * Delete both accounts immediately * * * * * Send written confirmation of removal within 15 calendar days * * If you fail to comply, I will : * File a formal complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * * Pursue * * civil legal action * * for violations under * * 15 U.S.C. 1681n and 1681o * *, which allows for * * actual damages, statutory damages, punitive damages, and attorneys fees * * I have documentation of every previous communication, dispute, and inaction on your part. You are now on notice.

* * CC : * * Consumer Financial Protection Bureau 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 non-monetary relief