Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to request the immediate deletion of an inaccurately reported account affiliated with XXXX XXXX XXXX XXXX XXXX XXXX 

This account is being reported inconsistently and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines, as detailed below : Identified FCRA Violations : Inaccurate Account Status : Equifax reports this account as Current, while TransUnion reports it as Unknown. No clarity on whether the account is open, closed, or delinquent. This contradiction violates FCRA 607 ( b ) ( data accuracy ).

Conflicting Date of Closure : TransUnion reports the account closed on Jan 31, 2023. Equifax reports Jan 1, 2023. This discrepancy impacts scoring and violates FCRA 611 ( failure to reinvestigate or report correct information ). 
Discrepant Date of Last Activity : This is crucial for score calculation and aging. The reported dates do not match across CRAs, violating Metro 2 guidelines.

Omission by Experian : No data for this account appears on Experians file, despite it being a legitimate installment account. This contributes to a suppressed or incomplete file, violating FCRA 609 ( a ) ( 1 ).

Metro 2 Violation Unknown Status : TransUnions usage of Unknown is non-compliant with Metro 2 standards. Status codes must clearly define the payment or closure state.

Remedy Demanded : Full deletion of the account due to conflicting, unverifiable, and misleading data.

If this can not be verified by Metro 2 standard format, this furnisher is reporting in bad faith and must be penalized accordingly.

I am requesting the Consumer Financial Protection Bureau to take enforcement action if these data furnishers fail to comply or investigate properly under FCRA 611 ( a ).

FCRA & Metro 2 Violations Identified 1. Account Status Conflict Current vs Unknown Equifax : Reports status as Current TransUnion : Reports status as Unknown Experian : Omits the account entirely Violation ( FCRA 607 ( b ) ) Information must be accurate and consistent across all CRAs. These conflicts mislead lenders and confuse the consumer file. 

XXXX. Date Closed Inconsistency Equifax : XX/XX/year> TransUnion : XX/XX/year> Violation ( FCRA 607 ( b ), 611 ) Conflicting closure dates are a direct violation of data integrity rules. Only one factual closure date should exist.

3. Missing Reporting from Experian Experian : Omits all data Violation ( FCRA 607 ( b ), 609 ( a ) ( 1 ) ) Incomplete reporting creates file suppression issues. If the account is valid, all CRAs must report it uniformly or the furnisher is violating FCRA. 

XXXX. Inconsistent Date of Last Activity Equifax : XX/XX/year> TransUnion : XX/XX/year> Violation ( Metro 2 Guidelines ) The DLA must align with the date closed. Any contradiction can manipulate credit scoring models.

5. Metro 2 Compliance Violation Status Reporting The term Unknown for status is non-compliant with Metro 2 reporting. Status should reflect : Closed, Paid in Full, Charged Off, etc.

Violation ( Metro 2 Standards + FCRA 607 ( b ) ) Identified FCRA Violations : Inaccurate Account Status : Equifax reports this account as Current, while TransUnion reports it as Unknown. No clarity on whether the account is open, closed, or delinquent. This contradiction violates FCRA 607 ( b ) ( data accuracy ). 
Conflicting Date of Closure : TransUnion reports the account closed on XX/XX/year>. Equifax reports XX/XX/year>. This discrepancy impacts scoring and violates FCRA 611 ( failure to reinvestigate or report correct information ).

Discrepant Date of Last Activity : This is crucial for score calculation and aging. The reported dates do not match across CRAs, violating Metro 2 guidelines.

Omission by Experian : No data for this account appears on Experians file, despite it being a legitimate installment account. This contributes to a suppressed or incomplete file, violating FCRA 609 ( a ) ( 1 ).

Metro 2 Violation Unknown Status : TransUnions usage of Unknown is non-compliant with Metro 2 standards. Status codes must clearly define the payment or closure state.

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