Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
b'I am filing this complaint and formal dispute due to repeated, willful, and negligent violations of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., committed by TransUnion, LLC. These violations are documented in my credit reports dated XXXX XXXX XXXX  as obtained from both TransUnion.com and XXXXn\nThis communication constitutes a legally binding dispute of multiple tradelines reported inaccurately, inconsistently, and unlawfully. These violations further breach Metro 2 Credit Reporting Standards and e-OSCAR dispute handling protocols, both of which are used to process and manage the integrity of credit reporting and reinvestigation procedures.\n\nDespite previous formal disputes and attached documentation, TransUnion has continued to report inaccurate, outdated, unverifiable, or duplicative information, including but not limited to the following:\n\nI. PERSONAL IDENTIFIERS\n\nName Dispute: My correct legal name is XXXX XXXX XXXX XXXX XXXX XXXX.\n\nViolation: 15 U.S.C.  1681e(b)  Failure to ensure maximum possible accuracy of personal identifiers.\n\nAddress Dispute: Remove outdated address: Hagerstown, MD 21740. My current address is XXXX XXXX XXXXn\nViolations: 15 U.S.C.  1681e(b),  1681g(a)(1)  Reporting obsolete personal information without proper verification.\n\nII. CHARGED-OFF / COLLECTION ACCOUNTS\nXXXX XXXX XXXX  (Charged-Off)\n\nIssue: Unverifiable balance, no original contract provided, inaccurate charged-off status.\n\nViolations: 1681s-2(a)(1)(A), 1681e(b), 1681i(a)(1); Metro 2: Noncompliant if unverifiable; e-OSCAR: Improper code handling.\n\nXXXX XXXXn\nAccounts:\n\nXXXX XXXX XXXX  (duplicate)\n\n448468L  XXXXn\nIssue: Duplicate accounts, inconsistent balances and re-aging.\n\nViolations: 1681e(b), 1681s-2(a)(1)(A), 1681i(a)(1); Metro 2: Duplicate and re-aged data; e-OSCAR: Improper dispute code management.\n\XXXX XXXX XXXXn\nAccounts:\n\nXXXX XXXXn\nXXXX XXXX449\n\nXXXX  $440\n\nIssue: Duplicate collections, improper reporting, no verification or itemization.\n\nViolations: 1681c(a)(4), 1681e(b), 1681s-2(a)(1)(A), 1681i(a); Metro 2: Noncompliant duplicate debt buyer reporting; e-OSCAR: Omission of dispute code XXXX\nXXXX\nAccount: XXXX\n\nIssue: Duplicate entry related to XXXX; causes double reporting.\n\nViolations: 1681e(b), 1681s-2(a)(1)(A)\n\XXXX XXXX\n\nAccount: XXXXn\nIssue: Unverified delinquency, outdated status.\n\nViolations: 1681s-2(a), 1681i(a)\n\nXXXX\n\nAccountXXXX XXXXn\nIssue: Charged-off balance lacks verification or documentation.\n\nViolations: 1681e(b), 1681s-2(a)(1)(A)\n\nXXXX XXXXn\nIssue: Not marked as disputed.\n\nViolations: 1681s-2(a)(3), 1681i(c)\n\nXXXX XXXX XXXXn\nAccounts:\n\nXXXXn\XXXX\n\nIssue: Duplicate entries with different balances.\n\nViolations: 1681e(b); Metro 2: Improper account type classification.\n\nXXXX XXXX\n\nAccount: XXXXn\nIssue: Balance unverified and potentially outdated.\n\nViolations: 1681c, 1681e(b)\n\XXXX\nAccount: XXXX XXXX\n\nIssue: No debt itemization or validation.\n\nViolations: 1681s-2(a), 1681i\n\nXXXX XXXX XXXX\n\nAccount: XXXX XXXXn\nIssue: No substantiation for amount reported.\n\nViolation: 1681e(b)\n\nXXXX XXXX\nAccount: XXXX XXXX\n\nIssue: Disputed, not flagged.\n\nViolations: 1681s-2(a)(3), 1681i(c)\n\nXXXX XXXX XXXXN\n\nAccount: XXXX XXXXn\nIssue: Unverifiable debt, no original creditor named.\n\nViolations: 1681e(b), 1681i(a)\n\nXXXX XXXX\n\nAccounXXXX XXXX XXXX\nIssue: Failure to validate or provide supporting detail.\n\nViolation: 1681e(b)\n\nIII. PUBLIC RECORDS\n\nBankruptcy XXXX XXXX\n\nRef #: XXXX | FiledXXXX XXXX\n\nIssue: No court source or validation available.\n\nViolations: 1681k(a), 1681e(b)'

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