Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to your response dated XX/XX/2025, regarding my previous dispute under the Fair Credit Reporting Act ( FCRA ). I appreciate the actions taken thus far ; however, I am writing to demand a reinvestigation of multiple entries that remain inaccurately reported, unverifiable, or are in violation of federal law and Metro 2 reporting standards. 

Below is a detailed breakdown of each contested item, the relevant legal grounds, and my specific demands :???? XXXX. XXXX XXXX XXXX : This account was marked " Verified as Reported. '' No evidence was provided to substantiate its accuracy. 

Relevant Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 3 ) ( A ) Failure to provide supporting documentation constitutes failure to verify. 

Metro 2 & CDIA Guidelines Data furnishers must report with full accuracy and permissible purpose.

Demand : Delete this account immediately if you can not furnish full validation documentation including original creditor data, chain of title, and permissible purpose. Otherwise, your reporting constitutes willful noncompliance with federal standards. 

???? XXXX. XXXX XXXX XXXX XXXX : Verified without providing any documentation. No proof of account ownership or permissible purpose has been submitted. 

Relevant Law : 15 U.S.C. 1681b ( a ) A consumer reporting agency may only furnish a report for permissible purposes.

15 U.S.C. 1681e ( b ) Inaccurate data resulting from insufficient procedures is a violation. 

Demand : Immediately delete this account unless you can provide certified documentation from the original creditor that includes account ownership, application, and billing history. 

???? XXXX. XXXX XXXX XXXX : This account is still reporting inaccurate details regarding balance and payment history. No resolution was offered. 

Relevant Law : 15 U.S.C. 1681s-2 ( b ) Requires furnishers to correct and update information that is found to be inaccurate or incomplete. 

Metro 2 Guidelines All updates must comply with Base Segment formatting requirements for Account Status and Payment Rating. 

Demand : Conduct a reinvestigation. Provide documentation or delete the tradeline. Continued reporting without correction is a violation. 

???? XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Issue : This tradeline was verified with inconsistencies in reporting : payment history and balance do not match my records. 

Relevant Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Inaccurate or unverifiable data must be deleted. 

Metro 2 Reporting Format Payment History Profile ( Field 24 ) must reflect actual activity. 

Demand : Please provide original application, billing statements, and validation of the reported data. Otherwise, delete this account immediately. 

???? XXXX. Updated Accounts Reinvestigation Demanded Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts were marked as updated, yet the changes were not disclosed in full detail. Updated data that still fails to meet accuracy standards or can not be verified with supporting documents is still subject to deletion. 

Relevant Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( b ) Metro 2 Format : Field-Level Accuracy Demand : I demand a line-by-line breakdown of what was updated. If these accounts still fail to meet strict accuracy and verification standards, they must be removed. 

???? 6. Hard Inquiry Issue : A dispute of a hard inquiry was met with only a Notification Sent to Creditor response. No proof of permissible purpose was provided. 

Relevant Law : 15 U.S.C. 1681b ( f ) An inquiry without permissible purpose violates federal law.

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