Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
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  TransUnion Consumer Solutions * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC * * : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney General * * Subject * * : * * Final Demand for Immediate Correction of Fraudulent Reporting, FCRA Violations, and Permanent Deletion of Inaccurate Accounts * * To Whom It May Concern : Under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681i ) * *, * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) * *, and * * Metro 2 Compliance Standards * *, I demand the immediate correction of * * fraudulent, deceptive, and unverified information * * on my credit reports. For over a decade, XXXX TransUnion, and XXXX have violated federal law by failing to investigate disputes, allowing false data to persist, and misrepresenting creditors. 

-- - # # # * * Legal Violations * * 1. * * FDCPA 1692e * * : Debt collectors XXXX XXXX XXXX XXXX XXXX XXXX falsely claimed to be the * * original creditor * *, a deceptive practice. 
2. * * FCRA 1681e ( b ) * * : Credit bureaus failed to maintain reasonable procedures to ensure accuracy, resulting in : - Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- * * False late payments * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite * * 100 % on-time payment history * *. 
- Inconsistent account statuses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but inaccurately reported ). 
3. * * Metro 2 Noncompliance * * : - Missing original creditor details XXXX XXXX XXXX XXXX XXXX XXXX 
- Lack of debt validation. 
- * * Inaccurate payment histories * * XXXX XXXX XXXX XXXX falsely reported as delinquent ). 

-- - # # # * * Disputed Accounts & Demands * * # # # # * * XXXX. Fraudulent Creditor Misrepresentation * * - * * XXXX XXXX XXXX * * : Listed as original creditor ( violates FDCPA XXXX ( XXXX ) ( A ) ). 
- * * XXXXXXXX XXXX XXXX XXXX  ( Account # XXXX ) : Falsely reported as Collection/Charge-Off with a {$1500.00} balance. * * True Status * * : Closed in XXXX with {$0.00} balance ; * * 100 % on-time payments * *. 

# # # # * * 2. Payment History Errors * * - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Falsely reports missed payments. * * True History * * : * * 100 % on-time payments * *. 
- * * XXXXXXXX XXXX XXXX XXXX XXXX Inaccurately lists missed payments. * * True History * * : * * 100 % on-time payments * *. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with * * 100 % on-time payments * *. 

# # # # * * 3. Inconsistent Account Statuses * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Closed in XXXX but lacks uniform reporting across bureaus. * * True History * * : * * 100 % on-time payments * *. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inactive account with {$0.00} balance misreported as active. 

-- - # # # * * Demanded Actions * * 1. * * Delete All Fraudulent/Unverified Accounts * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. * * Update All Accounts to Paid as Agreed * * : - Correct payment histories to reflect * * 100 % on-time payments * * for * * ALL ACCOUNTS * *, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

3. * * Standardize Account Statuses * * : - Remove discrepancies XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

4. * * Conduct e-OSCAR Audits * * : - Investigate Metro 2 compliance failures XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

-- - # # # * * Legal Notice * * Failure to resolve these violations by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  will result in : - Lawsuits against XXXX  TransUnion, and XXXX for * * willful FCRA violations * * ( up to {$3500.00} per violation ). 
- Complaints to the * * CFPB * *, * * FTC * *, and * * Texas Attorney General * * for : - FDCPA violations ( 15 U.S.C. 1692e ).

- UDAAP violations ( 12 U.S.C. 5531 ). 

-- - # # # * * Attachments * * - Copy of government-issued ID. 
- Proof of address ( utility bill ). 
- Prior dispute records. 

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

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