Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
To Whom It May Concern,, I respectfully request the removal of any personal identifier information, other than the accurately detailed information I have provided, from my credit report. As a consumer, it is my right to ensure that only true, accurate, complete, and timely claims are reported in compliance with the mandatory Metro 2 format reporting standards. I am apprehensive that some of the reported information may not meet these standards, and may lack factual verifiability and validation. Therefore, I request that the repository conducts a compliance check of the reporting, adhering to the required Metro 2 format reporting standards, for any alleged true, accurate, complete, timely, and undoubtedly valid claim of inquiry. I contest the report-ability of any claim that is deficient in proof of requisite certified compliant reporting of only factually validated and verified claims, regardless of whether it is true or not.

I am writing to respectfully request that your organization adhere to federal and state regulations for accurate credit reporting. As mandated by law, it is critical that your data submissions are complete, factual, and verifiable. The credit reporting industry 's CDIA has developed a manual, known as the CRRG, that outlines the necessary reporting standards and requirements. According to this manual, any deviations from these standards can compromise the integrity of the data.

It is my understanding that your current reporting practices do not meet the minimum requirements for compliant reporting. While you have the privilege to report, your deviations suggest otherwise, and I find your reporting practices to be questionable. I urge you to take corrective measures to ensure that your claims are accurate and undoubtable.

I request that you take immediate action to remove any inaccurate or non-compliant reporting from my credit file. I trust that you will take this matter seriously and take appropriate steps to resolve this issue. 
INQUIRY - XXXXXXXX XXXX  - XXXX This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
INQUIRY - XXXX XXXX - XXXX As per the Fair Credit Reporting Act, a creditor is obligated to authenticate the written consent of a consumer allowing them to review their credit. If you can furnish me with a copy of a credit application containing my signature, authorizing the disclosure of my credit files, I shall acknowledge the inquiry. However, if there is no signed authorization available, kindly expunge the inquiry from the three major credit bureaus.

The existence of this inquiry is detrimentally impacting my credit report, and hindering my ability to secure essential credit. Given the urgency of the situation, I would greatly appreciate your response within thirty ( 30 ) days.

I would like to bring to your attention that derogatory information is being reported about me, yet I have not received any official notification from any data reporting furnisher or creditor with respect to the reinsertion of a previously removed ailment or an initial validation of debts and delinquencies accused against me. As a consumer, I am well aware of federal reporting requirements and Metro 2 format standards that mandate a response to a consumer complaint within 30 days ( 45 days in some cases ), with notification of an extended 15- day period for investigation and findings. It is important to note that failure to respond requires immediate and permanent removal of the questionable information from reporting, along with a statement acknowledging the consumer 's challenge to the adequacy and exactness of the claim ( s ) reported. While I understand my consumer right to file a civil suit in a court nearest to me and favorable to me as the injured victim of inappropriate reporting and/or reporting practices, it is my hope that this matter can be resolved amicably. However, if a resolution is not achieved, I will not hesitate to pursue legal action to protect my rights. Sincerely, 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