Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX DOB : XX/XX/year> | SSN : XXXX Phone : XXXX | Email : XXXX Date : ____________________ To : XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute & Demand for Deletion FCRA 611, 1681e ( b ), 1681i ( a ) ( 5 ) ( A ) ; FDCPA 1692g, 1692cc; Metro 2 AFFIDAVIT OF DISPUTE & FORMAL NOTICE OF INACCURATE REPORTING I, XXXX XXXX XXXX swear under penalty of perjury that the information in this affidavit is true and complete. I did not authorize XXXX  or any furnisher to report inaccurate, inconsistent, unverifiable, or improperly validated information. All disputed data must be corrected or deleted pursuant to the FCRA, FDCPA, and Metro 2 standards. 
1 ) PERSONAL INFORMATION INCORRECT / MIXED FILE RISKS The ONLY correct identifiers are those listed at the top of this letter. Remove all other names, addresses, phone numbers, or employers immediately.

Law : FCRA 1681e ( b ) You must ensure maximum possible accuracy. Incorrect identifiers violate this law and must be corrected or deleted under FCRA 611. 
2 ) XXXX  XXXX LATE PAYMENTS ( Acct # XXXX ) The late payment dates reported by XXXX  conflict with XXXX  and TransUnion. This inconsistency demonstrates inaccurate reporting. 
Laws & Requirements : 1666b Billing cycle accuracy.

1681e ( b ) Accuracy requirement ; conflicting data = inaccurate.

1681i ( a ) ( 5 ) ( A ) Unverifiable data must be deleted.

FCRA 611 You must reinvestigate and correct/delete.

Metro 2 Payment status coding must be consistent across bureaus.

I request : Wet-ink signed contract Full payment ledger Delinquency notices Original billing statements If these can not be produced, delete all late payments. 
3 ) XXXX XXXX  XXXX  {$830.00} ( Acct # XXXX ) The report contains conflicting dates, no proof of assignment, and no debt validation. This violates federal law. 
Laws : FDCPA 1692g Requires debt validation.

FDCPA 1692cc No continued reporting without proof.

FCRA 1681e ( b ) Conflicting dates = inaccurate.

FCRA 1681i ( a ) ( 5 ) ( A ) Unverifiable = delete.

Metro 2 Requires correct DOFD, assignment, and coding.

Provide : Signed contract Chain of title / assignment Itemized accounting Validation proof Delete immediately if unverifiable. 
WHAT EACH LAW MEANS ( PLAIN LANGUAGE ) FCRA 611 When I dispute information, XXXX  must reinvestigate and correct or delete anything inaccurate, incomplete, or unverifiable. 
FCRA 1681e ( b ) Requires maximum possible accuracy; conflicting data violates this law.

FCRA 1681i ( a ) ( 5 ) ( A ) After reinvestigation, unverifiable data must be deleted.

1666b Billing cycles and dates must be accurately reported.

FDCPA 1692g Debt collectors must validate debts.

FDCPA 1692cc No continued reporting/collection without proof.

Metro 2 Industry standard requiring accuracy and
consistency across bureaus.

WHAT I AM REQUESTING 1 ) Delete all inaccurate or unverifiable information.

2 ) Correct all personal information.

3 ) Conduct a lawful reinvestigation under FCRA 611.

4 ) Mail me an updated report with all corrections and deletions.

NOTICE OF LEGAL INTENT If you fail to comply with the FCRA-required investigation and correction within 30 days, I will file complaints with the CFPB, FTC, XXXX, and the New York Attorney General, and pursue damages under FCRA 616617 for willful or negligent noncompliance. 
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