Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
Willful Noncompliance of FCRA, FDCPA, and Metro 2 Guidelines by XXXX XXXX XXXX XXXX, TransUnion, and Other Furnishers I am submitting this formal complaint to request enforcement action against XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TransUnion, and additional furnishers including XXXX, XXXX XXXX Bank ( XXXX ), XXXX Bank, and XXXX XXXX XXXX, for knowingly furnishing and reporting inaccurate, misleading, and unverifiable information to consumer reporting agencies in willful noncompliance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 Credit Reporting Guidelines. 

Upon reviewing my consumer credit reports from TransUnion, I identified multiple derogatory tradelines being reported inaccurately and/or without proper validation : XXXX XXXX XXXX XXXX XXXX {$8700.00} and {$7300.00} ( improperly reported as active debt ). 

XXXX : {$180.00} ( erroneously reported ). 

XXXX ( XXXX ) : {$8300.00} ( inaccurate and unverifiable reporting ). 

XXXX Bank : {$910.00} ( inaccurate and unverifiable reporting ). 

XXXX XXXX XXXX : Reporting late payments without proper advance notice or documentation. 

Each of these accounts is being reported without compliance to : FCRA, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Duty to report accurate information. 

FCRA, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Obligation to fully and properly reinvestigate disputed information. 

FCRA, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  Credit bureaus must conduct reasonable and timely investigations. 

FDCPA, XXXX XXXX. XXXX and XXXX Prohibits false, deceptive, or unfair representations. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Deceptive acts and practices prohibition under XXXX XXXX. 

Metro 2 Compliance Manual Standards Requires furnishers to update status codes appropriately for settled, paid, disputed, or unverifiable accounts. 

Additionally, for XXXX XXXX XXXX, I request all documentation of any alleged notice or attempt to contact me prior to the reporting of any late payments, as required by federal law and the Equal Credit Opportunity Act ( ECOA ). 

Supporting Legal Precedent and XXXX XXXX XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Furnishers and CRAs must conduct a reasonable investigation ; rubber-stamping creditor information violates FCRA duties. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Credit reporting agencies and furnishers jointly liable for inaccurate reporting. 

XXXX XXXX TransUnion LLC, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to update inaccurate tradelines can constitute a willful FCRA violation. 

XXXX XXXX XXXXXXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX : XXXX acknowledged liability when creditors reported accounts inaccurately after they were disputed. 

XXXX XXXX TransUnion CorpXXXX, XXXX. XXXX ( XXXX XXXX XXXX ) XXXX XXXX  sued TransUnion for XXXX FCRA violations for failure to ensure maximum possible accuracy. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : TransUnion held liable for failing to verify inaccuracies after receiving clear notice from the consumer. 


Given the continued reporting of these derogatory tradelines despite notice of dispute and proof of inaccuracy, I respectfully request that the CFPB : Immediately open investigations into XXXX XXXX XXXX XXXX, TransUnion, XXXX, XXXX, XXXX Bank, and XXXX XXXX XXXX. 

XXXX the deletion or immediate correction of these tradelines across all consumer reporting agencies. 

Compel production of any and all documentation showing : Proof of the original obligation ; Evidence of any pre-reporting contact attempts by XXXX XXXX XXXX specifically for late payments ) ; Evidence of reinvestigation procedures conducted under FCRA XXXX XXXX XXXX XXXX 

Enforce penalties for willful noncompliance with FCRA, FDCPA, Metro 2 standards, and deceptive trade practices under the Dodd-Frank Act. 

Provide full written findings and compliance certifications from each involved entity. 

The failures by these companies not only violate statutory duties but also constitute defamation of character, emotional distress, and loss of financial opportunities based on materially misleading credit reports Metro 2 Compliance Manual excerpts related to status coding Any correspondence with furnishers indicating failure to investigate properly

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