Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Information Demand for Deletion Dear TransUnion Dispute Department , I am formally disputing multiple inaccurate and unverifiable items on my credit report. Pursuant to FCRA 607 ( b ), 611 ( a ), 623 ( b ), the FDCPA 809, and Metro 2 reporting standards, I request immediate reinvestigation and deletion as outlined below : 1. Personal Information Disputes Incorrect Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Correct Legal Name : XXXX XXXX XXXX. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Employment : Remove all except XXXX. 

XXXX. XXXX XXXX Charge-Offs Accounts : # XXXX ( Balance {$290.00} ) and # XXXX ( Balance {$1000.00} ). 

Dispute Basis : Reporting Closed/Charge-off while showing balances and past due amounts a Metro 2 coding violation .

Data reported inconsistently across bureaus. 

Remedy : Delete tradelines or update to Closed Paid/Zero Balance No Charge-off. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX Dispute Basis : Reported as Collection/Assigned to Attorney without court record or judgment. 

FDCPA 809 requires original lease and full ledger not provided.

Metro 2 errors in DOFD reporting. 

Remedy : Delete tradeline in full. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : Debt buyer tradeline coded as Open while also showing collection status noncompliant with Metro 2.

FDCPA 809 requires validation : assignment, contract, payment history. Absent. 

Remedy : Delete tradeline in its entirety. 

5. Utility/Telecom Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$150.00} ) Reliant Energy ( self-reported utility line ) Dispute Basis : Utility accounts require signed contracts and billing records not furnished. 

Inconsistent with FCRA 623 ( b ) duties.

Metro 2 errors in Account Status and Balance fields.

Remedy : Delete all utility/telecom collections. 

6. Medical Collections ( if reporting on TransUnion ) Any medical collections appearing must be deleted under : HIPAA Privacy Rule ( 45 CFR 164.502 ( b ) ) FCRA 607 ( b ), 611 ( a ) ( accuracy + reinvestigation ) Metro 2 Field 25 DOFD errors Remedy : Permanent deletion of all medical collections.

Conclusion TransUnion has 30 days under FCRA 611 ( a ) to reinvestigate and delete unverifiable information. If noncompliant, I will escalate to the CFPB, FTC, and Texas Attorney General.

I demand that you : Delete all inaccurate personal identifiers.

Delete or correct the tradelines identified above.

Provide me with an updated report upon completion. 

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 explanation