Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date: XXXX XXXX XXXX XXXX XXXX XXXX SSN\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer protected under the Fair Credit Reporting Act (FCRA), XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and\n related U.S. consumer protection statutes, I hereby deliver formal and unequivocal notice of revocation of any past, present, or future consent for the unauthorized use of my\n Personal Identifiable Information (PII). This revocation expressly prohibits any sharing, selling, trading, or other form of commercial exploitation of my PII beyond the strictly\n limited scope of credit reporting activities as defined by U.S. federal law. Furthermore, I demand immediate cessation of all non-compliant processing of my PII and require\n written confirmation of compliance with this directive, encompassing a comprehensive audit trail demonstrating adherence to the FCRA and other relevant U.S. privacy\n regulations.\n My 18-digit Personal Tracking Number isXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ensure full adherence to legal data verification protocols, demanding that all inaccuracies be corrected transparently and promptly, with proof of compliance provided.\n To Whosoever It ConcernsXXXX  In examining my credit report, I've identified some information that I believe has been reported inaccurately. I am writing to dispute these entries and request a prompt reviewXXXX  and correction. It is imperative that the data preserved in my credit report be accurate, complete, and fair.\n It is imperative for data reporters to maintain rigorous internal controls to safeguard consumer information against unauthorized access and misuse. Have you unquestionably\n met every strict legal requirement to ensure that your derogatory reporting against me is fully substantiated, legally permissible, and free from procedural violations?\n The unsupported defamatory statement(s) Enumerated below should be processed as verified, subjected to enhanced scrutiny, and justified through independent confirmation\n procedures as disclosed by the reporting entity in its unaltered wording portraying me in a critical light so block the incorrectly loggedXXXX XXXX XXXX XXXX   producing   *Base/7 *Account Number as outlined by  TransUnion XXXX  presented to be  XXXX The falsely presumed adverse allegation(s) Depicted underneath need adjustment as exhaustively examined, fortified through secondary validation, and kept within strict\n adherence to legal reporting provisions as preserved in its initial entry embedding misleading impressions about me , so delete the unverified assertionsXXXX XXXX   presenting XXXX XXXX Primary Consumer Account Number XXXX  as testified by  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The unfounded disparaging statement(s) Following this statement must be finalized as assessed for factual legitimacy, methodically authenticated, and upheld as verifiably\n accurate as referenced in its primary filing articulating deprecatory descriptions about me , so block the improperly documented\n XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Account Number as portrayed by  TransUnion XXXX XXXX XXXX XXXX   conveyed to be  XXXX XXXX XXXX The unsound unfavorable categorization(s) Shown further down need rectification as comprehensively reassessed, integrity confirmed, and retained in compliance with\n established guidelines as originally entered in consumer reporting records describing unfavorable insinuations directed at me so nullify any recorded traces the below\nindicatedXXXX XXXX XXXX   signifying XXXX Primary Consumer Account Number as maintained by  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The indefensibly alleged injurious portrayal(s) Further detailed beneath are imperative to be extensively audited, validated beyond doubt, and determined to be aligned with\n statutory obligations as kept in its original reporting status underscoring demeaning representations of me , so revoke its appearance in public records the undermentioned\n XXXX XXXX XXXX    articulating   Date of Inquiry as officially recorded by  XXXX   listed to be  XXXX  The alleged but unverified critical statement(s) Delimited below must undergo lawfully evaluated, precision verified, and substantiated as indisputably conforming to required\n standards as officially transmitted in its first iteration conveying defamatory perspectives about me , so please eradicate from reporting the improperly categorizedXXXX XXXX XXXX    specifying   hard inquiry date (DOI) as shared by  EXperian  outlined to be  XXXX  The provisionally upheld but weak adverse claim(s) indicated herein are obligated to be investigated, reinvestigated, proven verified valid, and or elsewise demonstratedXXXX certifiably compliant as displayed in the original credit reporting record revisiting discrediting circumstances affecting me , so nullify its presence in reporting systems theXXXX misleading content\n XXXX  XXXX    including   inquiry date as acknowledged by  EXperian  marked to be  XXXX  The falsifiable(y) attributed harmful assertion(s) within displayed demand evaluation as critically evaluated, systematically reconfirmed, and affirmed as meeting rigorous\n compliance standards as conveyed in its exact phrasing by the originating source continuing adverse commentary against me so please eradicate from reporting the\n fabricated entriesXXXX XXXX XXXX   revealing   HARD Inquiry Date (DOI) as forwarded by  TransUnion XXXX   presented to be XXXX The unproven derogatory claim(s) Laid out beneath are designated to be rigorously inspected, accuracy substantiated, and reported with full adherence to governing\n mandates as affirmed in its first transmission by the data furnisher reinforcing disapproving labels directed at me so revoke its documentation entirely the now-displayed\n XXXX  XXXX    showing   date of inquiry (DOI) as affirmed by  TransUnion XXXX  described to be  XXXX The deficiently substantiated adverse report(s) displayed herein are subject to be properly reviewed, reinforced through supplementary verification, and assured as meeting\n the highest data integrity principles as originally issued by the reporting party reinforcing detrimental judgments about me so remove from reporting the successive dataXXXX XXXX XXXX   listing   Date of HARD Inquiry (DOI) as portrayed by  TransUnion XXXX   said to be  XXXX  The weakly validated critical depiction(s) asserted herein must receive attention as subjected to extensive review, revalidation, authenticated as accurate, and shown to meet\n all compliance criteria as formally recorded by the responsible entity featuring pejorative classifications of me so wipe from any stored databases the wrongly assertedXXXX XXXX XXXX XXXX    consisting of   hard inquiry date as verified by  TransUnion \n(T)  indicated to be  XXXX The misinterpreted unfavorable charge(s) described herein need to be examined as analyzed, verified through independent assessment, deemed legally sound, and upheld as\n conforming to reporting regulations as filed at the moment of declaration by the alleging party illustrating distressing claims about me so expunge from documented records the\n unduly emphasizedXXXX  XXXX XXXX XXXX    possessing   date of inquiry as conveyed by  XXXX   proposed to be  XXXX The uncorroborated harmful notation(s) within asserted should be reviewed as thoroughly examined, reassessed, conclusively validated, and unmistakably established as\n compliant as recorded by the data provider in its initial reported form referencing disadvantageous assumptions against me so cease the distribution of the presently outlined\n XXXX    encapsulating   Date of Inquiry (DOI) as indicated by XXXX XXXX  recorded to be  XXXX The inconclusive accusatory declaration(s) Highlighted downwards are required to be revalidated under scrutiny, found unerring in its correctness, and maintained within lawful\n reporting frameworks as registered at the moment of its first reporting reiterating unfavorable presumptions regarding me so halt its inclusion in reports the mistakenly\n communicated\XXXX XXXX XXXX XXXX    portraying   inquiry date (DOI) supposed by  XXXX   maintained to be XXXX The lacking-verification injurious claim(s) herein indicated must be fulfilled as Reinvestigated or investigated, validly proven verifiable, and demonstrative of certifiably\n Page 1 of 9\ncompliant reporting adequacy(ies) as incorporated in its unaltered credit profile positioning reproachful declarations about me so delete from reporting the unjustifiably statedXXXX XXXX   offering   date of hard inquiry as submitted formally by XXXX XXXX XXXX XXXX XXXX  The under-examined adverse record(s) alleged within demand attention as verified, subjected to enhanced scrutiny, and justified through independent confirmation procedures\n as extracted exactly from the first documented entry exposing purported deficiencies associated with me so eliminate from credit filing the baseless allegations\n XXXX XXXX XXXX   describing   Inquiry Date (DOI) as described by  XXXX   declared to be XXXX The doubtful unfavorable classification(s) Outlined below must be complied with as exhaustively examined, fortified through secondary validation, and kept within strict\n adherence to legal reporting provisions as stated upon initial documentation integrating disparaging beliefs associated with me , so cease the reporting of the\n miscommunicated detailsXXXX XXXX   plus   date of hard inquiry (DOI) as defined by  TransUnion \n(T)  defined to be  XXXX  The unconvincing accusatory comment(s) Set forth underneath are mandated to be assessed for factual legitimacy, methodically authenticated, and upheld as verifiably\n accurate as transcribed from the original entry by the submitting source asserting damaging conclusions against me , so suppress its existence in credit databases the\n negligently reported\XXXX XXXX XXXX   demonstrating   HARD Inquiry Date as delivered by  TransUnion \n(T)  asserted to be  07/24/2024\n The potentially inaccurate condemning entry(s) As noted beneath need to be considered comprehensively reassessed, integrity confirmed, and retained in compliance with\n established guidelines as captured by the recording entity when first logged accentuating derogatoriness(es) against me so suppress the disclosure of the soon-mentionedXXXX XXXX XXXX   displaying   Inquiry Date as issued by  TransUnion \n(T)  designated to be  XXXX  The inadequately evidenced harmful claim(s) Illustrated below should be handled as extensively audited, validated beyond doubt, and determined to be aligned with statutory\n obligations as compiled by the reporting entity without alterations identifying alleged liabilities tied to me so block from reporting the next-detailed\n XXXX    supplying   Date of HARD Inquiry as claimed by  XXXX   denoted to be  XXXX  The questionable disparaging remark(s) displayed within warrant action as lawfully evaluated, precision verified, and substantiated as indisputably conforming to required\n standards as provided in its first official record demonstrating unfavorable biases toward me , so remove from the record the now-documented\n XXXX XXXX   featuring   Date of Inquiry as submitted by  TransUnion \n(T)  expressed to be  XXXXXXXX The questionable denunciation(s) Clarified below must be executed as investigated, reinvestigated, proven verified valid, and or elsewise demonstrated certifiably compliant as\n upheld in its original statement by the contributor developing injurious descriptions concerning me , so retract from consumer files the inaccurately attributed\n XXXX XXXX XXXX   rendering   hard inquiry date (DOI) as filed by  XXXX   formulated to be  XXXX The unjustified unfavorable commentary herein alleged must be performed as critically evaluated, systematically reconfirmed, and affirmed as meeting rigorous compliance\n standards as written when written by author broadcasting unsupportive assessments of me , so extract from displayed credit details the presently outlinedXXXX XXXX XXXX XXXX I   structured with   inquiry date as processed by  XXXX   to be XXXX The unjustified unfavorable commentary below indicated must be undertaken as rigorously inspected, accuracy substantiated, and reported with full adherence to governing\n mandates as expressed verbatim by the original data source projecting negative portrayals of me , so delete from reporting the undermentionedXXXX XXXX XXXX XXXX    composed of   HARD Inquiry Date (DOI) as pronounced by  TransUnion \n(T)  referenced to be  XXXX  The unsound unfavorable categorization(s) Cited underneath are obligated for completion as properly reviewed, reinforced through supplementary verification, and assured as\n meeting the highest data integrity principles as maintained as first stated by the data provider upholding defamatory accounts involving me , so expunge from report history the\n falsely reported claims\n XXXX    amplifying   date of inquiry (DOI) as included by  XXXX  determined to be  XXXX  The unsubstantiated adverse allegation(s) purported herein require resolution as subjected to extensive review, revalidation, authenticated as accurate, and shown to meet all\n compliance criteria as entered at the time of submission by the reporting entity conveying slanderous associations against me so delete the wrongly presented\n XXXX    comprising   Date of HARD Inquiry (DOI) as shown by  XXXX   projected to be  XXXX The lacking-substantiation harmful portrayal(s)\n As Documented Below\n are deemed essential to be analyzed, verified through independent assessment, deemed legally sound, and upheld as conforming to reporting regulations as reflected in the\n initial report exactly as declared expanding harmful narratives directed at me , so wipe from accessible reports the below-indicated\n XXXX    exhibiting   hard inquiry date as disclosed by XXXX XXXX   conveyed to be  XXXX  The insufficiently evidenced harmful indictment(s) alleged below must be addressed as thoroughly examined, reassessed, conclusively validated, and unmistakably\n established as compliant as attested in its first official report reporting distressing implications concerning me , so eliminate from disclosed data the further-listed\n XXXX    incorporating   date of inquiry as announced by  TransUnion \n(T)  presented to be XXXX  The challenged unfavorable assumption(s) Located below should be scrutinized as revalidated under scrutiny, found unerring in its correctness, and maintained within lawful\n reporting frameworks as detailed in the original submission sharing unfavorable evaluations of me , so block from reporting the unverified assertions\n XXXX    accentuating   Date of Inquiry (DOI) as stated by  TransUnion \n(T)  To Be XXXX  The falsifiable(y) attributed harmful assertion(s) As detailed below must be executed as Reinvestigated or investigated, validly proven verifiable, and demonstrative of\n certifiably compliant reporting adequacy(ies) as affirmed in its first transmission by the data furnisher publicizing unfavorable opinions concerning me , so suppress its\n existence in credit databases the misguided descriptions\n XXXX   holding   inquiry date (DOI) as presented by  TransUnion \n(T)  denoted to be  XXXX The undetermined damaging declaration(s) Specified further down are deemed essential to be verified, subjected to enhanced scrutiny, and justified through independent\n confirmation procedures as provided in its first official record implying adverse claims regarding me , so please eradicate from reporting the carelessly reported\n XXXX FI   unfolding   date of hard inquiry exactly as reported by  TransUnion \n(T)  listed to be XXXX  The unsupported defamatory statement(s) below purported are vital to be exhaustively examined, fortified through secondary validation, and kept within strict adherence to\n legal reporting provisions as initially reported by the responsible data contributor replicating defaming suppositions against me , so remove from the record the wrongly\n assertedXXXX XXXX XXXX   arranging   Inquiry Date (DOI) as relayed by  TransUnion \n(T)  outlined to be XXXX  The inaccurately labeled negative assessment(s) herein reported must be resolved as assessed for factual legitimacy, methodically authenticated, and upheld as verifiably\n accurate as incorporated in its unaltered credit profile pointing out negativity(ies) attributed to me so block the reporting of the misunderstood records\n XXXX XXXX   with   date of hard inquiry (DOI) as characterized by  TransUnion \n(T)  marked to be  XXXX Federal law (15 U.S.C.  1681) and Metro 2 reporting guidelines require complete alignment between reported data and verifiable creditor records. This demands elimination\n of conflicting bureau entries, removal of unsubstantiated claims, and strict adherence to 7-year reporting limitations for negative items. The documented discrepancies below\n demonstrate clear violations of 15 U.S.C.  1681c(a) and CDIA Metro 2 Chapter 3 standards, complete with third-party validation of errors that directly impair my financial\n opportunities.\n The Symbol Keys used in this Letters images \nare \nas follows :\n Page 2 of 9\nr\n 1\n T = \nTransunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Data Furnishing Reporter #1 (or Creditor listed in a PRE = Public Records Event )\n D = Data Furnishing Reporter #2 (The Original Creditor if a Coff, a Coll, and or a Coff /Coll)\n  = Likely XXXX(s) are detected related to this Data Field Point\n  = value reported is detected to likely have Factual Actual Undeniably Disputable XXXXXXXX XXXX XXXX value reported is detected to likely have Discrepancy RROR(s) of Non-Compliant Inconsistency(ies) (DNCI)\n  = value reported is detected to likely have Metro 2 Code Exactness RROR(s) (M2CE)\n  = value reported is detected to likely have Metro 2 Code Description exactness RROR(s) (M2CD)\n  = value reported is detected to likely have Pretermitted RROR(s) by possible Willful Omission (PWO)\n PRE = Public Records Event\n PII = Personal Identifier Information\n COFF = Charge-off(s)\n COLL = Collection(s)\n COFF/COLL = Charge-off(s)/Collection(s)\n DrgL = Derogatory Lates\n DlqL = Delinquency Late(s)\n INQ = Inquiry(ies)\n UON = Unknown or Other Negativity\n CCI = Creditor Contact Information\n As thoroughly outlined in this complaint, the erroneous information identified herein requires urgent and decisive remediation. You are obligated to either remove these items\n from all reporting, amend them to reflect a lawful and accurate status, or provide incontrovertible documentation verifying that each entry is true, correct, complete, timely, fair,\n and reasonable as claimed by the reporting entity. Any failure to fulfill these obligations not only jeopardizes my rights as a consumer but may also constitute a serious breach\n of statutory reporting requirements, resulting in substantial harm and potential legal repercussions for continued noncompliance.\n Delete Right NOW  ALDOUS AND ASSOCIATES  320****  that inaccurately reports  Account Terms Duration:  to be  --   upon my   T\n credit report.    As misreported,  the\n claim is in deviation of reporting adequacy(ies) because  it is neither certified for Metro 2 compliance nor adequacy under the FCRA regulations.\n Additionally  Consumer Account Number:  is non-compliantly  inaccurately reported  as  320****  upon my   T\n As dis-alleged,  the allegation stands in nonconformity of\n reporting competence because  the BASE/7 Primary Consumer Account Number (PCAN) appears deficient: (a) its purported value lacks uniqueness, (b) includes my SSN in\n part or full, (c) falls outside the 5-32 alphanumeric character range allowed reported, (d) fails to use exactly four (4) redacted and or truncated characters, and/or (e) is\n inconsistently reported across agencies. Such deviations from the CDIAs CRRG-outlined Metro 2 Standards jeopardize data integrity and fail to meet federal mandates for\n fair, reasonable, accurate, complete, timely, truthful, valid, and verifiable reporting by furnishers (creditors, collectors, debt buyers, etc.) and CRAs ( TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as applies). THEREFORE, I DEMAND its IMMEDIATE and COMPLETE\n DELETION ;\n In addition  Portfolio Type Code:  is lacking compliance   misrepresenting of facts  to being   --  within my   T\n As misleadingly misreported,  the mis-claim stands in\n nonconformity of reporting competence since  the XXXX XXXX Type Codes value is NOT the required C, I, M, O, R, Line of Credit, Installment, Mortgage,\n Open, or Revolving value as should be per XXXX XXXX XXXX XXXX  TransUnion\n *Data Reporter Name XXXX XXXX XXXX XXXX XXXXConsumer Account Number: XXXX XXXXPortfolio Type Code:--\n *Account Current Balance:--XXXX XXXX XXXX XXXXAccount Terms Duration:-- --\n Delete Right Now  XXXX XXXX   that contains errors  Account Rating:  to being  Paid  on my   TransunionXXXX XXXX  credit report,  and as well as  with being  Derogatory  within my   XXXX------\n credit report,  as being  Paid  to inside my  \ncredit report too.  As mal-accused,  the claim is in deviation of reporting adequacy(ies)\n because  it falls short of Metro 2 and FCRA standards.-TXQ\n COFF\n TransUnion\n *Data Reporter Name \n*Consumer Account Number:\n 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 XXXX XXXX XXXX XXXX  that is flawed in its reporting  Date of Account Current Balance:  to be  XXXX  upon my   Transunion\n  credit report,  to being  XXXX  on my   XXXX   credit report,  and as well as  as being  03/01/2025  to inside my   XXXX    credit report too.  As dis-reported,  the\n allegation stands in nonconformity of reporting competence because  it is not proven suitable under neither Metro 2 or FCRA guidelines, each of which MUST be satisfied for\n applicable privilege to report to be retained.\n Plus  Account Type Code:  is without compliance  INACCURATELY reported  as being  Flexible spending credit card  on my   Transunion       deceitfully asserted  to\n be  Credit Card  in my   Experian         Flexible spending credit card  inside my   XXXX      As mal-stated,  the mis-claim stands in nonconformity of reporting competence\n since  the *Base/8 Portfolio Type Code (PTC)s value is NOT the required C, I, M, O, R, Line of Credit, Installment, Mortgage, Open, or Revolving value as\n should be per 2023 CRRG mandates.;\n Additionally  Date of Account Information:  is non-compliantly  skewing of facts  as  XXXX  upon my   Transunion        erroneously alleged  to being XXXX   within\n my   XXXX XXXX   on my   XXXX      As alleged,  the claim is in deviation of reporting adequacy(ies) because  \nthe Base/24 Date of Account Information (DOAI) is not EACH of being (i) displayed as MMDDYYYY or MM/DD/YYYY or MM-DD-YYYY such that the 8 numeral characters are\n in fact properly and accurately representive of a Metro 2 compliant format , (ii) displayed exactly same as that of the mandatorily always reported Header/8 Last Updated\n Activity Date (LUAD) value, (iii) is NOT precisely aligned with latest purported DOACBal (aka Date of Base/21 Account Current Balance) value (if any) , (iv) is NOT exactly\n aligned with the latest reported DOASC (aka Date of Account Status Code) , (v) is NOT exactly aligned with the latest reported DOPRC (aka Date of Payment Rating Code) ,\n (vi) is NOT exactly aligned with the latest verified reporting of the OCOA (aka Base/23 Original Charge-off Amount), (vii) is NOT exactly aligned with the latest reported DLV\n (aka Date Last Verified) , and/or (viii) elsewise is NOT displayed in full compliance with mandated maximum appropriateness!\n In addition  Account Current Balance:  is lacking compliance   unstated  as being  --  in my   Transunion       seemingly SUPPRESSED  to be  --  inside my   Experian\n        --  upon my   XXXX      unreliably misattributed  the allegation stands in nonconformity of reporting competence because  the Base/21 Accounts Current Balance\n (ACBal)s value is\n TransUnion XXXX XXXX  *Data Reporter Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flexible spending credit card Credit Card Flexible spending credit card\n *Account Type Code: Flexible spending credit card Credit Card Flexible spending credit card\n *Account Current Balance:------\n Date of Account Current Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   that gets the facts wrong  Date Last Verified(DLV):  with being  06/17/2025  within my   Transunion   credit report,  to be  --  upon my   XXXX   credit report,  and as well as  to being  --  on my   XXXX    credit report too.  As mis-stated,  the mis-claim stands in nonconformity of reporting\n competence since  \nthe Date Last Verified (DLV) is not EACH of being (i) displayed as MMDDYYYY or MM/DD/YYYY or MM-DD-YYYY such that the 8 numeral characters are in fact properly and\n accurately representive of a Metro 2 compliant format , (ii) displayed exactly same as that of the mandatorily always reported Header/8 Last Updated Activity Date (LUAD)\n value, (iii) is NOT precisely aligned with latest purported DOACBal (aka Date of Base/21 Account Current Balance) value (if any) , (iv) is NOT exactly aligned with the latest\n reported DOASC (aka Date of Account Status Code) , (v) is NOT exactly aligned with the latest reported DOPRC (aka Date of Payment Rating Code) , (vi) is NOT exactly\n aligned with the latest verified reporting of the OCOA (aka Base/23 Original Charge-off Amount) , (vii) is NOT exactly aligned with the latest reported DOAI (aka Date of\n Account Information) , and/or (viii) elsewise is NOT displayed in full compliance with mandated maximum appropriateness!\n Plus  Creditor Type:  is without compliance  wrongly purported  as  Bank Credit Cards     Transunion       skewing of facts  to being   Bank Credit Cards     XXXX          All\n Banks      XXXX      As accused,  the claim is in deviation of reporting adequacy(ies) because  it does NOT meet Metro 2 certification or FCRA requirements.\n TransUnion XXXX XXXX XXXXData Reporter Name XXXX XXXX XXXX XXXXConsumer Account Number: XXXX XXXX XXXX XXXX  Type Code: Flexible spending credit card Credit Card Flexible spending credit card\n *Account Type Code: Flexible spending credit card Credit Card Flexible spending credit card\n *High Credit/ Original Loan AmountXXXX XXXX XXXX Creditor Type: Bank Credit Cards Bank Credit Cards All Banks \n Date Last Verified(DLV): XXXX\n Delete Right NOW  XXXX XXXX XXXX XXXX   that provides erroneous data  Date of Inquiry  as being  XXXX   to inside my   XXXX    credit report.    As dis\naccused,  the allegation stands in nonconformity of reporting competence because  it fails to adhere to Metro 2 specifications and FCRA regulations.\n Inquiries\n  \nDR Name *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 XXXX XXXX XXXX XXXX   within my   X   credit report.    As mis-accused,  the\n mis-claim stands in nonconformity of reporting competence since  it is non-compliant with the CRRGs Metro 2 standards certification and too also fails FCRA adequacy\n checks.\n Inquiries\n Page 4 of 9\n INQ -D1X\n INQ -D1X\n INQ -D1T\n INQ -D1T\n INQ -D1T\n INQ -D1T\n INQ -D1X\n INQ -D1Q\n INQ -D1X\n INQ -D1Q\n  \nDR Name *HRCF12 \nDR Address\n *HRCF13 \nDR Contact No.\n *HRCF14 \nDR Identification No.\n *BSCF5 \nDate of Inquiry\n ^NTCU^ \nPermissible Purpose\n ^NTCU^ \nDR Industry Type\n ^NTCU^ \nCredit Bureau\n XXXX XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards XXXX\n Delete right now  XXXX XXXX XXXX   that reports incorrectly  Date of Inquiry  to be  XXXX  upon my   X   credit report.    As dis-stated,  the claim is in deviation of\n reporting adequacy(ies) because  it fails to satisfy BOTH the CDIAs Metro 2 certification of compliant reporting and applicable FCRA regulations.\n Inquiries\n  \nDR Name *XXXX XXXX XXXX XXXX XXXX Contact No.\n *HRCF14 \nDR Identification No.\XXXX XXXX XXXXnDate of Inquiry\n XXXX \nPermissible Purpose\n ^NTCU^ \nDR Industry Type\n ^NTCU^ \nCredit Bureau\n XXXX XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards Experian\n DELETE Right Now  XXXX XXXX XXXX  that is incorrect  Date of Inquiry  to being  XXXX  on my   T   credit report.    As mis-purported,  the allegation stands in\n nonconformity of reporting competence because  it falls short of being provably Metro 2 certified let alone FCRA compliant.\n Inquiries\n  \nDR Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identification 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   that distorts the facts  Date of Inquiry  as being  XXXX   to inside my   T   credit report.    As deceptively misreported,  the\n mis-claim stands in nonconformity of reporting competence since  it does NOT adhere to Metro 2s certified specifications or even that of the FCRAs guidelines.\n Inquiries\n  \nDR Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     As stated,  the claim is in deviation of\n reporting adequacy(ies) because  it is neither Metro 2 certifiable nor FCRA compliant.\n Inquiries\n  \nDR Name 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 TransUnion\n Delete right now  XXXX XXXX XXXX XXXX   that gives unproven or false information  Date of Inquiry  to be"

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