Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
XXXX XXXX * * XXXX XXXX XXXX XXXX, WA XXXXXXXX XXXX XXXX Re : Demand for Immediate Removal of Inaccurate and Unverifiable Account ( Account # : XXXX ) * * To Whom It May Concern : I am writing to formally dispute the above-referenced account listed on my TransUnion credit report as of XX/XX/year>. This account is inaccurate, incomplete, unverifiable, and fails to comply with the strict requirements of the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Metro 2 Credit Reporting Resource Guide * *.

# # # * * Specific Violations and Demands * * 1. * * Incomplete and Unverifiable Information * * - The account lacks critical details required under * * Metro 2 guidelines * *, including : - Missing " Date of First Delinquency '' ( DOFD ), which is essential for determining the 7-year reporting period under * * FCRA 605 ( c ), 15 U.S.C. 1681c ( c ) * *.

- No payment history is provided, rendering the account * * unverifiable * * u
nder * * FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i * *.

- The " Status '' field is blank, violating * * Metro 2 * * standards for accurate reporting.

2. * * Inaccurate Balance and Reporting * * - The balance listed ( * * {$6600.00} * * ) conflicts with the " Original Balance '' ( * * {$6100.00} * * ) without explanation, violating * * FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) * * ( accuracy requirement ).

- The " Paid Off : 0 % '' field is misleading and unsupported by any payment history, constituting a * * false representation * * under * * FDCPA 807 ( 2 ) ( A ), 15 U.S.C. 1692e ( 2 ) ( A ) * *.

3. * * Failure to Report Dispute Resolution * * - The comment " Dispute resolved reported by grantor '' is vague and does not confirm compliance with * * FCRA 623 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) * * ( duty to correct inaccuracies ).

# # # * * Legal Demands * * Pursuant to * * FCRA 611, 15 U.S.C. 1681i * *, and * * FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) * * : 1. * * Immediately delete * * this account from all credit bureaus ( TransUnion, XXXX, and XXXX  ). 
2. * * Cease all reporting * * of this account, as it is unverifiable and lacks Metro 2 compliance.

3. * * Provide written confirmation * * of deletion within * * 15 days * *, per * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) * *.

Failure to comply will result in legal action for : - * * Willful non-compliance * * under * * FCRA 616, 15 U.S.C. 1681n * * ( statutory damages up to {$1000.00} per violation ).

- * * Defamation and negligence * * under state law.

# # # * * Conclusion * * This letter serves as * * formal notice * * to resolve this matter within * * 30 days * *. Forward this dispute to all credit bureaus to which you reported this account.

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