Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted multiple, detailed written disputes directly to TransUnion, challenging the accuracy, completeness, and legal compliance of several accounts, inquiries, and personal identifiers on my credit report. Despite citing my rights under the Fair Credit Reporting Act ( FCRA ) and referencing Metro 2 compliance standards, TransUnion failed to verify the accuracy of the disputed entries or to provide the required documentation. Instead, they issued generalized form responses and continued reporting data that is inaccurate, unverifiable, and harmful. 

These failures violate : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation within 30 days, 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishers duty to report accurate and complete data, 15 U.S.C. 1681g ( a ) failure to provide a clear explanation of data sources and verification procedures, FCRA 605B ( 15 U.S.C. 1681c-2 ) continued reporting of data not properly verified or associated with identity theft, 15 U.S.C. 1681b ( c ) and 1681b ( f ) impermissible access and inquiries without proper consent or permissible purpose. 

I am specifically disputing and requesting the permanent deletion of the following inaccurate or unverifiable accounts : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these accounts contains one or more of the following issues : False late payments or incorrect derogatory statuses such as Collection/ChargeOff Unverified or inconsistent Date of Last Activity, High Balance, or Payment History Improper dispute status coding ( marked XXXX despite active challenge ) Absence of any proof of Metro 2 formatting compliance , account ownership, or permissible purpose I am also challenging the following unauthorized hard inquiries that were accessed without my authorization and must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries appear on my file without my consent and without proof of any credit application or signed authorization. TransUnion has failed to provide physical evidence that these companies had a permissible purpose to access my report, as required under FCRA 604 and interpreted under 615. 

Case law that supports deletion and enforcement of consumer rights under these circumstances includes : XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXXXXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXXXXXX XXXX TransUnion XXXX, XXXX. XXXX ( XXXX XXXXXXXX. XXXX XXXX, XXXX ) Please see the attached FTC Identity Theft Report and my prior written dispute letters submitted to TransUnion.

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