Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information FCRA and FDCPA Compliance Dear [ Credit Bureau/Creditor ] , I am writing to formally dispute the inaccurate, incomplete, or unverifiable information reported on my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I have not provided written consent for unauthorized inquiries, and I demand compliance with Metro 2 reporting standards and the Automated Credit Dispute Verification ( ACDV ) process. Specifically, I dispute the following accounts and associated late payment reports : 1. XXXX XXXX XXXX Reported on XX/XX/XXXX ( TransUnion ) 2. XXXX XXXX XXXX Reported on XX/XX/XXXX ( XXXX ) XXXX. XXXX Reported on XX/XX/XXXX ( XXXX ) 4. XXXX XXXX XXXX Reported on XX/XX/XXXX ( XXXX ) 5. XXXX XXXX Reported on XX/XX/XXXX ( XXXX ) 6. XXXX XXXX XXXX Reported on XX/XX/XXXX ( XXXX ) 7. XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX ( XXXX ) 8. XXXX XXXX Reported on XX/XX/XXXX ( TransUnion ) 9. XXXX Reported on XX/XX/XXXX ( TransUnion ) 10. DEPT OF ED Reported on XX/XX/XXXX ( TransUnion ) Under the FCRA, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable ( 1681i ). Additionally, the FDCPA requires debt validation before negative reporting ( 1692g ). I have identified the following violations that require immediate correction : 1. Inaccurate Reporting : The reported late payments are unverifiable, as I have no records of delinquency for these accounts. Pursuant to FCRA 609 ( a ) ( 1 ) ( B ), provide a full accounting of the data substantiating these claims or remove them.

2. Outdated Information : Some reported dates appear incorrect or outdated. Under FCRA 605 ( a ), information older than seven years must be removed. Any non-compliant entries must be deleted immediately. 
XXXX. Invalid Addresses : The addresses listed as XXXX XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX, XXXX, AL XXXX are invalid and unverified, violating FCRA address verification requirements. Correct or remove these entries.

4. Unauthorized Hard Inquiries : I have identified hard inquiries lacking my written consent, violating FCRA 604 ( a ) ( 3 ) ( A ). Provide proof of authorization for these inquiries or remove them immediately. 
In support of my dispute, I cite Murray v. Verizon Wireless, 232 F.Supp.2d 95 ( E.D.N.Y. 2002 ), which upheld a consumers right to the removal of unverifiable information. This precedent reinforces my demand for correction of my credit report. 
Requested Actions : * Conduct a thorough investigation using the ACDV process, ensuring Metro 2 compliance.

* Provide written verification of the disputed information or delete it within 30 days, as required by FCRA 1681i ( a ) ( 1 ).

* Send me a copy of my updated credit report reflecting the corrections.

* Notify all parties who received my credit report in the past six months of the corrections, per FCRA 1681i ( a ) ( 6 ).

Failure to comply may result in further action to enforce my rights under federal law. Please respond in writing within 30 days to confirm resolution.

Sincerely, [ Your Full Name ] [ Your Social Security Number or Last 4 Digits Optional for Verification ] [ Your Phone Number Optional ] [ Your Email Address Optional ] Enclosures : [ List any supporting documents, e.g., ID copy, proof of address, account statements ] Important Notes : 1. Sending the Letter : * Send this letter to each credit bureau ( TransUnion, XXXX, XXXX ) reporting the disputed accounts and, if applicable, directly to the creditors/furnishers listed.

* Use certified mail with a return receipt to document delivery. 
* Credit bureau addresses : * TransUnion : P.O. XXXX XXXX, XXXX, PA XXXX * XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX 2. Supporting Documents : * Include copies ( not originals ) of any evidence supporting your claims, such as payment records, correspondence, or identity verification ( e.g., drivers license, utility bill ).

* Avoid sending sensitive information unless necessary, and redact unrelated personal data.

3. Metro 2 Compliance : * Metro 2 is the standard format for credit reporting. By referencing it, youre emphasizing that furnishers must accurately report data. If errors persist, you can escalate to the Consumer Financial Protection Bureau ( CFPB ).

4. ACDV Process : * The ACDV system is used by credit bureaus to communicate disputes to data furnishers. Mentioning it ensures the bureau follows proper dispute procedures.

5. Legal References : * The FCRA and FDCPA citations are accurate based on your request. The Murray v. Verizon Wireless case is a valid precedent for disputing unverifiable information, though its applicability depends on your specific situation.

6. Next Steps : * Credit bureaus must respond within 30 days ( FCRA 1681i ( a ) ( 1 ) ). If they fail to correct the errors, file a complaint with the CFPB at consumerfinance.gov or consider legal action.

* Monitor your credit reports using free services like annualcreditreport.com.

7. Unauthorized Inquiries : * If hard inquiries were made without your consent, you can also request a fraud alert or credit freeze via the credit bureaus websites.

If you need further assistance drafting follow-up letters, analyzing credit bureau responses , or escalating to the CFPB, let me know. I can also search for additional legal precedents or check X posts/web sources for relevant credit dispute strategies if youd like.

I am writing to formally dispute the inaccurate, incomplete, or unverifiable information reported on my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I have not provided written consent for unauthorized inquiries, and I demand compliance with Metro 2 reporting standards and the Automated Credit Dispute Verification ( ACDV ) process. Specifically, I dispute the following accounts and associated late payment reports : XXXX. XXXX XXXX XXXX Reported on XX/XX/XXXX ( TransUnion ) XXXX. XXXX XXXX XXXX Reported on XX/XX/XXXX ( XXXX ) XXXX. XXXX Reported on XX/XX/XXXX ( XXXX ) XXXX. XXXX XXXX XXXX Reported on XX/XX/XXXX ( XXXX ) XXXX. XXXX XXXX Reported on XX/XX/XXXX ( XXXX ) XXXX. XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported on XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Reported on XX/XX/XXXX ( TransUnion ) XXXX. XXXX Reported on XX/XX/XXXX ( TransUnion ) 10. DEPT OF ED Reported on XX/XX/XXXX ( TransUnion ) Under the FCRA, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable ( 1681i ). Additionally, the FDCPA requires debt validation before negative reporting ( 1692g ). I have identified the following violations that require immediate correction : 1. Inaccurate Reporting : The reported late payments are unverifiable, as I have no records of delinquency for these accounts. Pursuant to FCRA 609 ( a ) ( 1 ) ( B ), provide a full accounting of the data substantiating these claims or remove them.

2. Outdated Information : Some reported dates appear incorrect or outdated. Under FCRA 605 ( a ), information older than seven years must be removed. Any non-compliant entries must be deleted immediately. 
3. Invalid Addresses : The addresses listed as XXXX XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX, XXXX, AL XXXX are invalid and unverified, violating FCRA address verification requirements. Correct or remove these entries.

4. Unauthorized Hard Inquiries : I have identified hard inquiries lacking my written consent, violating FCRA 604 ( a ) ( 3 ) ( A ). Provide proof of authorization for these inquiries or remove them immediately.

In support of my dispute, I cite Murray v. Verizon Wireless, 232 F.Supp.2d 95 ( E.D.N.Y. 2002 ), which upheld a consumers right to the removal of unverifiable information. This precedent reinforces my demand for correction of my credit report.

Requested Actions : * Conduct a thorough investigation using the ACDV process, ensuring Metro 2 compliance.

* Provide written verification of the disputed information or delete it within 30 days, as required by FCRA 1681i ( a ) ( 1 ).

* Send me a copy of my updated credit report reflecting the corrections.

* Notify all parties who received my credit report in the past six months of the corrections, per FCRA 1681i ( a ) ( 6 ).

Failure to comply may result in further action to enforce my rights under federal law. Please respond in writing within 30 days to confirm resolution. 
Sincerely,

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 explanation