Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone : XXXX Email : XXXX Date of Birth : XX/XX/XXXX SSN ( last four digits ) : XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Multiple Accounts and Systemic Inquiry Violations This letter constitutes formal notice of multiple Fair Credit Reporting Act ( FCRA ) violations in my consumer file, with specific reference to systemic Metro 2 reporting failures and XXXX compliance violations. I am disputing the following accounts based on technical FCRA violations and industry standard breaches : ACCOUNT XXXX : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  FCRA Violations Identified : 1. 1681e ( b ) Maximum Possible Accuracy Violation Metro 2 Field K4 inconsistency : Account listed as both Revolving Account and Charge Account. 
Industry Standard : Metro 2 format requires consistent account type designation. 
Violation : Contradictory account classifications fail accuracy standards established in XXXX XXXX TransUnion. 
2. 1681i Inadequate Reinvestigation Procedures Current Status : XXXX balance account maintained under Accounts with Adverse Information. 
Last Payment : XX/XX/XXXX with {$0.00} current balance. 
Violation : Continued adverse reporting of resolved account without proper status verification. 
3. 1681s-2 ( b ) Furnisher Reporting Inaccuracies Data Furnisher : XXXX reporting inconsistent account classification. 
Metro 2 Compliance Failure : Field validation bypass allowing contradictory data. 

ACCOUNT XXXX : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  Critical FCRA Violations : XXXX. XXXX ( a ) ( XXXX ) Obsolete Information Violation Account Status : PAID IN FULL/WAS A CHARGE OFF Date Closed : XX/XX/XXXX ( over 5 years ago ) Violation : Contradictory status reporting of paid account under adverse information section. 

5. 1681i ( a ) Contradictory Status Reporting Metro 2 Field 13 Violation : Account Status field contains impossible dual designation. 
Industry Standard : An account can not simultaneously be paid in full and maintain charge-off status. 
CRRG Violation : Contradictory status impedes consumer understanding. 
6. 1681s-2 ( b ) Data Furnisher Accuracy Requirements Furnisher : XXXX XXXX XXXXXXXX XXXX 
Violation : Reporting logically impossible account status combinations. 
INQUIRY / DATA SOURCE VIOLATIONS XXXX XXXX Primary Violations Identified : 1. FCRA 1681f Future-Dated Inquiry Violation Inquiry : XXXX XXXX XXXX XX/XX/XXXX Current Date : [ Insert Todays Date ] Violation : Future-dated inquiry violates temporal data integrity. 
Metro 2 Field J1/J2 Failure : Inquiry date fields lack proper validation. 
2. FCRA 1681e ( a ) Identity Verification Failures Multiple Platform Identity Reporting : XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX via XXXX DISPUTES XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX TRANSUNION INTERACTIVE XXXX multiple entries ) Violation XXXX Multiple platform entries for a single consumer identity suggest file mixing and inadequate identity verification protocols. 
XXXX. FCRA 1681g Inquiry Disclosure Violations Issue : Multiple platform inquiries create confusion about actual inquiry sources and purposes. 
Industry Standard : Clear inquiry source identification required for consumer understanding. 
CRRG Compliance : Fragmented inquiry reporting violates consumer comprehension standards. 
4. FCRA 1681f Inquiry Aggregation Violations Issue : Multiple XXXX  platform inquiries should be aggregated under a single consumer identity. 
Violation : Separate platform reporting may constitute unauthorized access pattern documentation. 
5. FCRA 1681s-2 Third-Party Data Source Violations Excessive Alternative Data Sources : XXXX XXXX XXXXXXXX ( Banking verification XXXX XXXX ( Alternative credit reporting ) XXXX XXXX XXXX XXXX XXXX Subscription services ) Violation : Alternative data sources reporting without proper consumer notification and consent verification. 



17A Regulatory Compliance Violations Under SEC Form 17A requirements, consumer reporting agencies must maintain : Data Quality Controls : Future-dated inquiry demonstrates failed validation systems. 
Consumer File Integrity : Multiple platform identity entries indicate fragmented consumer profiling. 
Audit Trail Compliance : Inquiry source verification failures. 



Metro 2 Format Violations Field J1/J2 Temporal Validation Failure : Future-dated inquiry bypassed system validation. 
Consumer ID Field Inconsistencies : Multiple platform variations violate unique identification standards. 
Inquiry XXXX XXXX  Accuracy : Platform fragmentation creates reporting ambiguity. 



Demanded Corrections 1. Immediate removal of future-dated XXXX XXXX inquiry XXXX XX/XX/XXXX ). 
XXXX. Platform consolidation of all XXXX inquiries under a single identity verification. 
XXXX. Alternative data source verification with proper consumer consent documentation. 
XXXX. System audit of inquiry date validation protocols.

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