Consumer complaint received 2025-04-14 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:
# METRO 2 FORMAT VIOLATION DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXTransUnion Consumer Solutions*XXXX ** XXXX XXXX XXXX XXXX, XXXX  XXXX **RE : FORMAL DISPUTE OF METRO 2 FORMAT VIOLATIONS** **Consumer XXXX XXXX XXXX XXXXSocial Security Number : XXXX **Date of Birth XXXX XXXX XXXXTransUnion File Number : XXXX To Whom It May Concern : This letter constitutes a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding multiple technical Metro 2 Format violations contained in my TransUnion consumer report dated XX/XX/XXXX ( File # XXXX ). This dispute specifically addresses non-compliance with the XXXX XXXX XXXX XXXX ( XXXX ) standards as adopted by the XXXX XXXX XXXX XXXX ( XXXX ). 

# # DETAILED METRO 2 FORMAT VIOLATIONS Based on thorough analysis of my credit report, I have identified the following specific Metro 2 Format technical violations : # # # 1. ACCOUNT STATUS CODE VIOLATIONS ( XXXX XXXX XXXX ) | Account Information | Incorrect Code | Required Code | Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX | Adverse Status Code | Code XXXX ' ( Paid/Closed ) | Account shows " Paid, Closed '' narrative but uses derogatory status code | | XXXX XXXX XXXX # XXXX | XXXX Status Code | Code XXXX ' ( Paid/Closed ) | Same status code discrepancy | | XXXX XXXX XXXX  # XXXX | " Account 30 Days Past Due '' | Code XXXX ' ( Current ) | Account shows current payments but incorrect status | | XXXX XXXX XXXX  # XXXX | Adverse Status | Code XXXX ' ( Paid/Closed ) | Status code conflicts with " Paid, Closed '' narrative | # # # XXXX. PAYMENT HISTORY PROFILE VIOLATIONS ( XXXX XXXX XXXX ) | Account Information | Reporting Period | Incorrect Codes | Required Code | Violation | | -- -| -- -| -- -| -- -| -- -| | XXXX XXXX | XXXX | Delinquency values ( XX/XX/XXXX ) | Value XXXX ' ( XXXX  ) | XXXX  values reported after Date Closed ( XX/XX/XXXX ) | | XXXX XXXX # XXXX | XXXX | Delinquency XXXX ( XXXX ) | Value XXXX ' ( Blank ) | XXXX  values reported after Date Closed ( XX/XX/XXXX ) | | XXXX # XXXX | XXXX | Values after closure | XXXX  XXXX ' ( Blank ) | Non-compliant values after " Paid, Closed '' status | XXXX XXXX XXXX  XXXX. ACCOUNT DATES/TIMELINE INCONSISTENCIES ( XXXX XXXX XXXX ) | Account Information | Field | Reported Value | Correct Reporting | Violation | | -- -| -- -| -- -| -- -| -- -| | XXXX XXXX | Date Closed | XX/XX/XXXX XXXX No subsequent activity | Activity reported after closure date | | XXXX XXXX | Last Payment Made | XX/XX/XXXX | Should align with closure | Payment history contradicts date fields | | XXXX # XXXX | Maximum Delinquency | " 60 days in XX/XX/XXXX '' | No delinquency after closure | Impossible timeline violation | | XXXX # XXXX | Last Payment Made | XX/XX/XXXX | Should not show delinquency | Timeline conflicts with status | # # # XXXX. CONSUMER INFORMATION INDICATOR OMISSIONS ( XXXX XXXX XXXX ) All disputed accounts lack proper XXXX XXXX XXXX  ' ( Consumer disputes under FCRA ) or XXXX ' ( FCRA investigation in process ) despite evidence of prior disputes. 

# # # XXXX. COMPLIANCE CONDITION SEGMENT ERRORS ( XXXX XXXX XXXX ) | Account Information | Field | Error | CRRG Requirement | | -- -| -- -| -- -| -- -| | All Accounts | XXXX XXXX | Missing or incorrect | Must report accurate XXXX codes | | All Accounts | Special Comment | Text " CLOSED '' | Must use standardized XXXX  codes ( " XXXX '', " XXXX '', etc. ) | | All Accounts | Compliance Date | Retention calculation error | Must calculate per FCRA 605 ( c ) ( 1 ) | # # SPECIFIC DEMAND FOR CORRECTION Per Metro 2 Format requirements and FCRA 1681i, I hereby demand TransUnion : 1. Correct all Account Status codes to align with narrative descriptions : - Apply Code XXXX ' to all accounts shown as " Paid, Closed '' - Remove all closed accounts from " Accounts with Adverse Information '' section 2. Correct all Payment History Profile ( PHP ) fields : - Remove all delinquency values ( XXXX ) for periods after account closure - Apply consistent PHP values that align with account status fields 3. Correct timeline inconsistencies : - Ensure no activity reporting after Date Closed values - Adjust Maximum Delinquency fields to reflect accurate timelines 4. Apply proper Consumer Information Indicator codes : - Add CII Code 'XXXX  ' to reflect this formal dispute 5. Correct Special Comment codes : - Replace text " CLOSED '' with proper SC codes as defined in 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 explanation