Consumer complaint received 2025-03-07 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XX/XX/XXXX **TransUnion** TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX*Subject : ** Formal Dispute and Request for Reinvestigation Under FCRA and Metro 2 Compliance Dear Credit Bureau Representative , I am writing to dispute the accuracy and completeness of certain items appearing on my credit report as per my rights under the **Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) **. Under **FCRA 611 ( 15 U.S.C. 1681i ) **, I am formally requesting that you conduct a thorough reinvestigation of the reported accounts, inquiries, and derogatory marks to ensure compliance with federal law and **Metro 2 reporting standards**.

Additionally, under **FCRA 609 ( a ) ( 1 ) **, I request full disclosure of the verification process, including the name and contact details of the entities that provided the disputed information. As mandated by **FCRA 605 ( a ) **, any information that is **inaccurate, outdated, unverifiable, or does not comply with Metro 2 data furnishing requirements must be deleted** from my credit file. 

Pursuant to **FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) **, credit reporting agencies are required to ensure **maximum possible accuracy** in consumer reports. Any failure to properly verify disputed accounts within the **30-day time frame under FCRA 611 ( a ) ( 1 ) ** will necessitate their immediate removal.

I am not providing a specific breakdown of the errors, as it is your legal obligation under the **FCRA** and **Metro 2 Compliance Guidelines** to verify and maintain accurate reporting. However, I demand that you review all reported accounts and inquiries and delete any unverifiable or inaccurate information. 

**Required Actions : ** 1. Conduct a **Metro 2-compliant reinvestigation** into the accuracy of all disputed items.

2. Remove any accounts, inquiries, or derogatory items that ** can not be fully verified**.

3. Provide a detailed **method of verification** report for each disputed account per **FCRA 609 ( a ) ( 1 ) **.

4. Send me an **updated copy of my credit report via U.S. mail** reflecting the corrections.

Enclosed, I have included : - A **copy of my government-issued ID** - **Proof of address** ( utility bill or bank statement ) - **A copy of my credit report with disputed items highlighted** Failure to comply with my request may result in legal action, including complaints to the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) ** for noncompliance with **FCRA and Metro 2 data standards**.

Thank you for your prompt attention to this matter. I expect your response within **30 days**, as required under federal law. 

Sincerely, XXXX XXXX Copy of ID - Social Security Card Copy of Credit Report with Highlighted Disputed Items

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