Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX : XXXX SSN : XXXX TransUnion XXXX XXXXXXXX : Fraud XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Date : [ Insert Date ] Subject : Formal Dispute & Fraud Block Demand Violations of FCRA 1681c-2, 607 ( b ), 611, 623 & Metro 2 Standards To Whom It May Concern : On XX/XX/XXXX, I submitted to TransUnion a valid FTC Identity Theft Report, notarized affidavit, drivers license, Social Security card, and proof of address. Under FCRA 1681c-2 ( a ), TransUnion was required to block fraudulent tradelines within 4 business days. You failed to do so, instead mishandling my report as a routine 611 dispute. 



I. Fraudulent Accounts ( FTC Report TransUnion ) XXXX XXXX XXXX ending XXXX, {$5200.00} XXXX XXXX Acct ending XXXX, {$1400.00} XXXX XXXX XXXX XXXX {$6400.00} These must be permanently blocked under 1681c-2. 



XXXX. Additional Negative Accounts ( Metro 2 & FCRA Violations ) XXXX. XXXX XXXX XXXX ( Acct XXXX {$4000.00} Loan ) TU : 33 lates ; EQ : 34 ; EXP : 7.

Metro 2 Violation : Payment history ( Field 17A ) inconsistent.

FCRA 607 ( b ) : Inaccuracy by definition. 
XXXX. XXXX XXXX XXXX  ( Acct XXXX Auto Loan, {$15000.00} Repo ) TU balance {$15000.00} ; EXP {$15000.00}.

Metro 2 Violation : Balance/DOFD inconsistent across CRAs.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher reporting known inaccuracies. 
XXXX. XXXX XXXX ( Acct XXXX {$1200.00} Charge-Off ) TU : Dispute resolved consumer disagrees ; EXP : FCBA dispute ; EQ : Charged off.

Metro 2 Violation : Non-uniform Compliance Condition Code.

Case Law : XXXX v. XXXX & XXXX incomplete dispute notation = inaccuracy. 
XXXX. XXXX XXXX ( Acct XXXX {$9400.00} Charge-Off ) TU : {$0.00} balance + charge-off ; EXP : {$9400.00} written off.

Metro 2 Violation : Balance/Status mismatch ( Base Segment ). 
XXXX XXXX : XXXX XXXX XXXX misleading reporting = inaccurate. 
XXXX. XXXX XXXXXXXX XXXX {$10000.00} ( XXXX XXXX XXXX XXXX {$5500.00} ( XXXX & XXXX ) XXXX. XXXX {$720.00} ( Charter ) Metro 2 Violation : DOFD inconsistent/missing ( Field 25 ).

FCRA 611 ( d ) : CRA must provide furnisher contact info.

III. Legal Basis FCRA 1681c-2 : 4-day fraud block violated.

FCRA 607 ( b ) : Maximum accuracy violated.

FCRA

611 ( a ) ( 5 ) ( A ) - ( B ) : Deletion/reinsertion rules violated. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Must provide procedure description. FCRA 623 ( a ), 623 ( b ) : Furnishers reporting known inaccuracies. 
XXXX v. XXXX ( XXXX Cir. XXXX ) : CRAs must do more than parrot. 
XXXX v. XXXX  ( XXXX. XXXX. XXXX ) : XXXX solely on creditor = violation. 
XXXX v. XXXX ( XXXX. XXXX XXXX ) : Superficial reinvestigation inadequate. 



IV. Demands 1. Permanently block fraudulent accounts listed.

2. Delete or correct all inconsistent negative tradelines.

3. Provide strict proof of verification ( contracts, charge-off statements, collection ownership docs ).

4. Provide corrected file & reinvestigation results within 30 days.

V. Notice of Litigation Preparedness If TransUnion fails to comply, I am prepared to pursue my private right of action under FCRA 1681p. I will seek relief under XXXX, including statutory damages ( {$1000.00} per violation ), actual damages, punitive damages, and attorneys fees. This letter, my FTC Identity Theft Report, and your CFPB responses will be used as evidence of a pattern of noncompliance. 

This notice is sent Certified Mail, Return Receipt Requested. 

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 non-monetary relief