Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXXXXXX DOB : XX/XX/XXXX To Whom It May Concern, TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This document and all enclosed materials have been sent by me personally ( XXXX XXXX XXXX ). I am disputing information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and expect my dispute to be handled properly.

Recent enforcement actions show a pattern of non-compliance among the credit bureaus XXXX XXXX XXXX XXXX ) Fined {$15.00} XXXX for improper dispute handling. 
XXXX XXXX XXXX ) Found to have conducted fraudulent investigations by the CFPB. 
TransUnion ( XXXX ) Ordered to pay {$60.00} XXXX in a lawsuit over consumer mislabeling. 
To ensure my dispute is processed correctly, I request a written response sent to the following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This document and all enclosed materials have been sent by me personally ( XXXX XXXX XXXX ). I trust that you will handle this matter lawfully. 
Sincerely, XXXX XXXX XXXX Page 1 of 7 To whom it may concern : I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. If you are not able to do so, then I will need to pursue legal action. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 TransUnion Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$0.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED SUBSCRIBER DISAGREES Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$1400.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$0.00} Payment Frequency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Payment Status : XXXX CollectionOrChargeOff Loan Type : XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Length : XXXX The account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report shows an incorrect rating of CollectionOrChargeOff, with dates XXXX and XXXX. This error is affecting my credit applications. 
Under 15 U.S.C. 1681n, please delete this account and provide evidence of the {$0.00}. 
Also, see the image above for XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Account Status ( XXXX ) expressing Closed The data on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements When I scrutinized Balance Owed ( XXXX ) presenting {$0.00}. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with Metro 2 guidelines, so You must make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile!

Upon inspecting Creditor Type ( - ) exhibiting Finance. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account.

Bring to your attention Loan Type reporting CreditCard I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
I was looking at Date Reported ( - ) expressing XXXX. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! 
REPRISE - XXXX TransUnion Account # : XXXX XXXX Account TransUnion Description : Individual Page 3 of 7 Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Transferred Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX PURCHASED BY ANOTHER LENDER Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$5300.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$0.00} Payment Frequency : XXXX Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX Loan Type : - I noticed that this account XXXX with the number XXXX is showing the wrong rating of CollectionOrChargeOff on my credit report, and I want it fixed now! You said this account was opened on XXXX and had a date of last activity of XXXX. That just cant be right. 
Please take this account off my report! 
You also said you last verified this account on XXXX. According to the law, specifically 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to see how you verified it. Send me the info you used to check this. And another thingI need proof that I really owe {$0.00} because I dont owe anything. 
Remember, according to XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 
XXXX ), if you cant prove this info, it has to be taken off! 
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Viewing Date of Last Activity ( XXXX ) demonstrating XXXX. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXXXXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX This account needs fixing immediately! 
TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Lets examine Credit Limit ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! 
Upon inspecting Creditor Remarks ( XXXX ) exhibiting PURCHASED BY ANOTHER LENDER. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
Respectfully XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action

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