Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : FORMAL DEMAND FOR DELETION AND STATUTORY DAMAGES - WILLFUL METRO 2 FORMAT VIOLATIONS Account References : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : This correspondence serves as my formal demand for ( 1 ) IMMEDIATE DELETION of multiple accounts with fatal Metro 2 Format defects from my credit report and ( 2 ) PAYMENT OF STATUTORY DAMAGES for each willful violation pursuant to 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which provides for damages of " not less than {$100.00} and not more than {$1000.00} '' per violation.

I have documented the following systemic and willful Metro 2 Format violations affecting multiple accounts in my credit file : 1. CRITICAL BASE SEGMENT FIELD OMISSIONS ( 79 Format Violations ) : Each account contains multiple missing required Base Segment fields, including : a ) XXXX XXXX XXXXXXXX - Missing Account Type ( Field 9 ), Terms Duration ( Field 11 ), Monthly Payment Amount ( Field 15 ), Last Payment Date ( Field 18 ) - 5 violations b ) XXXX XXXX XXXX XXXX - Missing Account Type ( Field 9 ), Terms Duration ( Field 11 ), Terms Frequency ( Field 12 ), ECOA Code ( Field 10 ), Credit Limit/Original Amount ( Field 7 ) - 6 violations c ) XXXX XXXX XXXXXXXX - Missing Last Payment Date ( Field 18 ) despite " Last Payment '' header, Terms Duration ( Field 11 ), Monthly Payment Amount ( Field 15 ), ECOA Code ( Field 10 ) - 6 violations d ) Each additional account contains similar critical field omissions- 62 total violations 2. FATAL ACCOUNT STATUS CODE CONTRADICTIONS ( 26 Format Violations ) : a ) XXXX XXXXXXXX - Reports " Derogatory '' status ( Code XXXX ) with {$0.00} balance and closed account, while worst status is only " Late 30 Days '' ( XXXX XXXX ) - creating contradictory status designations- 3 violations b ) XXXX XXXX  XXXX - Reports " Unknown '' worst status designation that does not exist in the Metro 2 Format Account Status field specification - 2 violations c ) Multiple accounts showing " Closed '' or " Paid '' status while simultaneously reporting serious delinquency codes- 21 violations 3. CHRONOLOGICAL SEQUENCING DEFECTS ( 14 Format Violations ) : a ) XXXX XXXX XXXXXXXX - Reports Date Closed as XXXX but Last Payment as XXXX, creating an impossible temporal scenario in Metro 2 Format that violates Field 18/Field 25 relationship requirements- 3 violations b ) XXXX - Reports improper date/status formatting that violates Base Segment field alignment requirements - 2 violations c ) Multiple accounts with improper Date Opened, Date Closed, Date Reported sequences- 9 violations 4. COLLECTION ACCOUNT K1 SEGMENT VIOLATIONS ( 18 Format Violations ) : a ) XXXX XXXX and XXXX XXXX XXXXXXXX - Report identical {$890.00} balances with generic " XXXX '' creditor designations that fail to meet K1 Segment Original Creditor Name specificity requirements - 8 violations b ) XXXXXXXX XXXX - Reports " XXXX CXXXX XXXX XXXX XXXX  '' with improper numeric prefix format for Original Creditor field - 10 violations 5. PAYMENT HISTORY PROFILE FIELD DEFECTS ( 36 Format Violations ) : a ) Multiple accounts report Late Payment Dates without proper Payment History Profile field population - 24 violations b ) Accounts show delinquency codes without mandated Payment Rating field synchronization - 12 violations 6. ACCOUNT IDENTIFICATION STANDARDIZATION FAILURES ( 16 Format Violations ) : a ) Accounts use inconsistent formats for account numbers, violating standardization requirements- 10 violations b ) Several accounts use improper alphanumeric prefixes ( XXXX ) that violate Account Number field specifications- 6 violations These 189 individually documented Format violations represent willful noncompliance with the Metro 2 Format specifications required by the XXXX XXXX XXXX XXXX XXXX XXXX ) and mandated by federal law. As the credit reporting industry 's designated standard, Metro 2 Format compliance is not optional but mandatory for accurate credit reporting under the FCRA.

Per 15 U.S.C. 1681n ( a ), any person who " willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer '' for statutory damages of $ XXXX {$1000.00} per violation. Recent court decisions, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), have confirmed that consumers can recover statutory damages without proving actual damages for willful FCRA violations.

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