Consumer complaint received 2024-12-30 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: IN

Complaint narrative:
Subject : ** Formal Dispute of Inaccurate Reporting, Request for Deletion Compliance with Metro 2, FCRA, and Legal Action Notice Dear TransUnion, I am writing to formally dispute the inaccurate and unverifiable information appearing on my credit report. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), Metro 2 data reporting standards, and relevant case law that underscores my rights as a consumer. Please be advised that if any information can not be verified as accurate, it must be deleted rather than corrected. 

1. Dispute of Incorrect Bankruptcy Entry** There is a bankruptcy entry on my credit report that has not been reported by the relevant court. I have obtained a written statement from the court confirming this. Reporting this information without direct court verification is a violation of the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates maximum possible accuracy in consumer reports. Since the bankruptcy entry is inaccurate and unverifiable, it must be immediately **deleted**, not corrected. 

2. Dispute of Unverified Collection Accounts and Compliance Issues** The following collection accounts have been reported without my authorization or verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681b, any party reporting information to credit bureaus must have a permissible purpose. Furthermore, according to the FCRA ( 15 U.S.C. 1681i ), if these accounts can not be verified with the original signed contract or agreement, they must be **deleted** from my report. Metro 2 compliance requires that closed or charged-off accounts must not report a balance. If any closed or charged-off account shows a balance, it is considered incorrect and must be deleted, as it violates both Metro 2 guidelines and the FCRA. 

3. Removal of Unauthorized Hard Inquiries** The following hard inquiries were conducted without my explicit consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries do not meet the requirements of 15 U.S.C . 1681b, as I did not authorize them. Therefore, they must be removed immediately. 

4. Request for Verification of Reporting Permission** As stated in XXXX, XXXX v. XXXX XXXX XXXX U.S. 330 ( 2016 ), inaccuracies on credit reports must be resolved promptly to avoid legal consequences. Additionally, under *XXXX XXXX  Trans Union Corp.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies are required to conduct a reasonable investigation. I hereby request that you verify each account 's authority to report to my credit profile. If any account does not have my explicit permission to report, it must be deleted immediately. 

5. Incorrect Information Must Be Deleted, Not Corrected As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an investigation can not verify the accuracy of disputed information, the credit reporting agency must delete the disputed information. Correcting inaccurate information without my consent is not permitted. This applies particularly to any account that is closed, written off, or showing an incorrect balance, which should be deleted. 

6. Legal Notice and Request for Damages Under 15 U.S.C. 1681n and 1681o, willful and negligent noncompliance with the FCRA entitles me to statutory damages. If TransUnion continues to report inaccurate or unverifiable information, I will seek damages of {$1000.00} for each incorrect item reported on my credit profile. 

7. Compliance with Metro 2 Format and FCRA** I expect TransUnion to comply fully with Metro 2 standards, ensuring that all data reported on my credit file is accurate, complete, and verifiable. This includes verifying all reported items against original signed agreements. Failure to meet these standards will be considered a willful violation of the FCRA.

8. Request for Updated Credit Report** Once your investigation is complete, please send me an updated credit report that reflects the deletion of the disputed bankruptcy, unauthorized inquiries, any incorrect collection accounts, and any outdated personal information. Only the following details should be reported :

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