Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 's XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

RE : Formal Dispute of Inaccurate, Unverifiable, and Non-Compliant Credit Reporting FILE NUMBER : XXXX VERIFICATION REQUIREMENT All reporting must follow current Metro 2 format specifications and Data Quality Standards. Reference industry requirement for annual audits with credit bureaus to ensure FCRA compliance and uncover persistent issues with Metro 2 reporting Legal Precedent : XXXX XXXX TransUnion represents a significant FCRA class action lawsuit that resulted in a substantial {$23.00} XXXX settlement in XXXX. Case Background : XXXX XXXX Trans Union XXXX XXXX ( Civil Action No. XXXX, XXXX. XXXX ) was filed as a class action asserting Fair Credit Reporting Act violations against Trans Union based on claims that Trans Union did not conduct reasonable investigations of disputes regarding hard inquiries. 

DEMAND FOR INVESTIGATION AND PERMANENT DELETION PURSUANT TO FCRA 611 AND 623 This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., specifically 611 and 623, demanding immediate investigation and permanent deletion of inaccurate, unverifiable, and legally non-compliant information from my credit file. 

DISPUTED ACCOUNTS REQUIRING IMMEDIATE PERMANENT DELETION : GROUP XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX VIOLATIONS XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Maximum Delinquency : 60 days in XX/XX/XXXX FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( A ) - Inaccurate reporting post-closure XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Maximum Delinquency : 30 days in XX/XX/XXXX FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( A ) - Duplicate/related account confusion XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX High Balance : {$980.00} | Terms : {$0.00} per month for 24 months FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( C ) - Impossible payment terms ( $ XXXX ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX High Balance : {$980.00} | Terms : {$0.00} per month for 24 months FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( C ) - Impossible payment terms ( $ XXXX ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX High Balance : {$510.00} FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( A ) - Multiple similar accounts from same entity LEGAL DEMAND : XXXX XXXX XXXXXXXX XXXX XXXX constitute duplicate reporting and account confusion violations. PERMANENT DELETION REQUIRED. 

GROUP XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX High Balance : Fluctuating $ XXXX {$240.00} with inconsistent payment history FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( B ) - Inconsistent balance reporting, unverifiable payment amounts XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX Account Type : Secured Credit Card | High Balance : {$9.00} FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( A ) - New account with insufficient payment history XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX High Balance : Fluctuating $ XXXX {$260.00} FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( C ) - Future payment date reporting ( XX/XX/XXXX ) LEGAL DEMAND : Secured cards and new accounts lack sufficient history for negative impact. PERMANENT DELETION REQUIRED. 

GROUP XXXX : CHARGE-OFF AND COLLECTION VIOLATIONS XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Account ) Date Opened : XX/XX/XXXX | Account Closed : XX/XX/XXXX Original Charge-off : {$400.00} | Credit Limit {$200.00} XXXX XXXX PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( New Account ) Date Opened : XX/XX/XXXX | Credit Limit : {$150.00} Current Status : Active account FCRA VIOLATIONS : 623 ( a ) ( 5 )- Same creditor, different account numbers creating confusion XXXX. XXXX XXXX XXXX XXXX XXXX  Placed for Collection : XX/XX/XXXX | Balance : {$1000.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
FCRA VIOLATIONS : 623 ( a ) ( 9 ) - Medical debt without HIPAA compliance FDCPA VIOLATIONS : 809 ( b ) - Failure to provide debt validation LEGAL DEMAND : Charged-off accounts sold to other creditors can not continue negative reporting. XXXX XXXX require special compliance. PERMANENT DELETION REQUIRED. Must Provide Written Confirmation Within XXXX Business Days GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX * * XXXX delinquency with {$120.00} high balance, {$0.00} original charge-off FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( A ) - Inconsistent charge-off reporting XXXX. XXXX XXXX XXXX # XXXX * * * * Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Maximum Delinquency : 120 days in XX/XX/XXXX FCRA VIOLATIONS : 605 ( a ) ( 4 ) - Approaching XXXX deletion requirement XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXXXXXX XXXX XXXX Secured Credit Card with 30-day delinquency FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( A ) - Secured account negative reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX High Balance : {$500.00} | Terms : {$0.00} per month, paid Weekly for 10 months FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( C ) - Impossible payment structure XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1000.00} Terms : {$97.00} per month, paid Weekly for 12 months FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( A ) - New account with insufficient history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Loan Type : XXXX  | High Balance : {$20.00} FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( B ) - Utility reporting as installment loan LEGAL DEMAND : Secured loans, new accounts, and utility payments improperly reported as traditional credit. PERMANENT DELETION REQUIRED. 

GROUP XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Terms : {$25.00} per month for 24 months Pay Status : Account 30 Days Past Due Date XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Terms : {$0.00} per month for 24 months Maximum Delinquency : 60 days in XX/XX/XXXX FCRA VIOLATIONS : 623 ( a ) ( 1 ) ( B ) - Multiple accounts from same entity with conflicting payment terms ( $ XXXX vs $ XXXX ) creates consumer confusion and inflated negative impact. 

LEGAL DEMAND : Duplicate reporting from same creditor. PERMANENT DELETION REQUIRED. 

GROUP XXXX : CREDIT CARD VIOLATIONS XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX Credit Limit Variations : $ XXXX {$200.00} without explanation FCRA VIOLATIONS : 623 ( a ) ( 2 ) - Inconsistent credit limit reporting LEGAL DEMAND : Unverifiable credit limit fluctuations. PERMANENT DELETION REQUIRED. 

COMPREHENSIVE LEGAL VIOLATIONS AND DEMANDS : FCRA 611 ( a ) ( 1 ) ( A ) - INVESTIGATION REQUIREMENTS : You are LEGALLY REQUIRED to conduct reasonable investigation within 30 days and DELETE any information that can not be verified as complete and accurate.

FCRA 623 ( a ) ( 1 ) - FURNISHER ACCURACY OBLIGATIONS : All furnishers must provide complete and accurate information. The following systematic violations require immediate deletion : Duplicate account reporting ( XXXX XXXX, XXXXXXXX XXXX XXXX  accounts ) Impossible payment terms ( $ XXXX payments on active loans ) Future payment dates ( payments scheduled for XX/XX/XXXX ) Inconsistent credit limits and balances Charge-offs from sold accounts XXXX XXXX without HIPAA compliance FCRA 605 ( a ) ( 4 ) & 605 ( c ) ( 1 ) - REPORTING TIME LIMITS : Security Finance ( XXXX ) approaching XXXX limit All charge-offs must be verified within permissible timeframes FDCPA XXXX ( b ) - DEBT VALIDATION REQUIREMENTS : XXXX  medical collection lacks proper validation documentation. 

MANDATORY VERIFICATION REQUIREMENTS : For EACH disputed account, you must provide : 1. Original signed credit application with my signature 2. Complete payment history with exact dates and amounts 3. Chain of title documentation for all transferred/sold accounts 4. Original creditor account statements 5. Legal proof of current debt ownership 6. Documentation of state licensing compliance 7. Verification of account relationship for duplicate accounts XXXX. XXXX compliance documentation for XXXX XXXX XXXX. Explanation of impossible payment terms ( $ XXXX active loans ) 10. Justification for future payment date reporting NOTICE OF CIVIL LIABILITY - FCRA 616 : WILLFUL OR NEGLIGENT NON-COMPLIANCE will result in : Actual damages for all credit denials and higher interest rates Statutory damages up to {$1000.00} per violation Punitive damages for willful violations Attorney fees and court costs Injunctive relief requiring permanent deletion PATTERN OF VIOLATIONS IDENTIFIED : XXXX disputed accounts with systematic FCRA violations Multiple duplicate reporting scenarios Impossible payment terms on active accounts Charge-off accounts improperly maintained Medical debt HIPAA violations Credit limit manipulation FORMAL DEMANDS : IMMEDIATE ACTIONS REQUIRED : XXXX. PERMANENT DELETION of all XXXX disputed accounts within 30 days XXXX. Updated credit report reflecting all deletions XXXX. Written confirmation of all actions taken XXXX. Notification to all other credit reporting agencies XXXX. Cessation of all reporting on deleted accounts CONSEQUENCES OF NON-COMPLIANCE : Filing complaints with CFPB, FTC, and State Attorney General Federal litigation under FCRA 616 and 617 Class action consideration for systematic violations Punitive damages for willful non-compliance Media exposure of credit reporting violations CONSUMER RIGHTS ASSERTION : I am exercising my rights under : FCRA 611 - Right to dispute inaccurate information FCRA 623 - Right to accurate furnisher reporting FDCPA 809 - Right to debt validation State consumer protection laws This dispute is made in good faith based on systematic violations of federal credit reporting law. I maintain detailed records of all inaccuracies and resulting damages to my credit profile. 

CONCLUSION : The XXXX disputed accounts contain pervasive FCRA violations that require immediate permanent deletion. Failure to comply within 30 days will result in aggressive legal action to protect my consumer rights and recover all damages. 

I expect FULL COMPLIANCE with this dispute and PERMANENT DELETION of all contested items. 

Respectfully submitted under penalty of perjury, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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