Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a formal NOTICE OF DISPUTE pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and Metro 2 Compliance Reporting Standards.

Upon my thorough review of my credit file, I have identified multiple reporting violations that directly violate my consumer rights. The following accounts are being challenged for immediate permanent deletion : DPT ED/XXXX - XXXX XXXX - XXXX DPT ED/XXXX - XXXX LEGAL VIOLATIONS IDENTIFIED : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of any disputed information. Failing to properly verify these accounts with actual evidence constitutes willful non-compliance.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) : In the absence of complete and verifiable documentation, these accounts must be permanently DELETED from my credit report.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) - ( E ) : Furnishers must investigate and correct any inaccurate or incomplete information supplied to you. If you continue to publish unverifiable data, you are actively violating this statute.

Metro 2 Compliance : The data fields being reported fail to meet Metro 2 reporting standards which require full accuracy, consistency, and verifiability. Incomplete fields, unverifiable balances, or lack of documented proof violates industry standard reporting guidelines.

Failure to Process Individual Disputes ( 15 U.S.C. 1681i ) : I am aware of your illegal practice of responding to legitimate disputes with form letters and template responses. The FCRA requires each dispute to be handled individually and based on its own merit. Automated or blanket responses that disregard the specific facts Ive submitted is non-compliant and actionable.

Additionally, I demand that you DELETE any and all unauthorized employment information and outdated contact numbers attached to my file. You do not have my consent to report any inaccurate, obsolete, or unverifiable personal information.

FINAL DEMAND : You have 30 days to comply with this dispute. If you fail to verify with actual documented evidence ( not screenshots or screenshots of data entries ) or fail to delete the accounts permanently, you will leave me no choice but to escalate this matter by filing : Formal CFPB complaints FTC complaints Attorney General complaints Civil litigation for willful violations under 15 U.S.C. 1681n, where statutory damages, attorney fees, and punitive damages may be pursued.

I demand that you send me written confirmation detailing the investigation results along with an updated credit report reflecting the permanent deletion of these accounts. This demand is non-negotiable.

Failure to comply will be documented as willful non-compliance and pursued accordingly.

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