Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year>XXXX XXXX XXXX Attn : Legal Department / Consumer Disputes XXXX XXXX XXXX XXXXXXXX, GA XXXX * * To Whom It May Concern : This letter constitutes a formal request pursuant to the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., specifically 1681g, 1681h, and 1681i, regarding the accuracy and compliance of information Factor Trust maintains and reports about me. This request demands verification of Metro 2 Format compliance as established by the Consumer Data Industry Association 's Credit Reporting Resource Guide ( CRRG ). 

* * CONSUMER IDENTIFICATION * * Full Legal Name : [ Your Full Legal Name ] SSN : [ XXXX ] ( last 4 digits ) Date of Birth : [ MM/DD/YYYY ] Current Address : [ Your current address ] * * LEGAL AUTHORITY AND REQUIRED ACTIONS * * 1. * * METRO 2 FORMAT COMPLIANCE VERIFICATION * * Factor Trust is hereby instructed to verify complete compliance with Metro 2 Format specifications for all accounts associated with my consumer file. Your verification must include confirmation that all furnishers reporting information about me adhere to the following Metro 2 elements : a ) Accurate Account Status Codes ( Field 17A ) b ) Proper Consumer Information Indicators ( Field 11 ) c ) Correct Payment History Profile reporting ( Field 18 ) d ) Appropriate Compliance Condition Codes ( Field 20 ) e ) Accurate Special Comment Codes ( Field 19 ) f ) Proper Date of First Delinquency reporting ( Field 25 ) Any deviation from Metro 2 Format specifications constitutes a violation of the FCRA 's accuracy requirements under 1681e ( b ) and 1681i. 

2. * * DOCUMENTATION REQUIREMENTS * * Factor Trust must provide : a ) Complete documentation of all Metro 2 data fields being reported for each account in my consumer file b ) Written verification from each furnisher that their reporting systems comply with current Metro 2 Format requirements c ) Documentation of Factor Trust 's furnisher monitoring protocols that ensure Metro 2 compliance d ) Evidence of Factor Trust 's dispute processing procedures for handling Metro 2 format errors 3. * * SECURITY FREEZE IMPLEMENTATION * * Pursuant to FCRA 1681c-1, I demand implementation of a security freeze on my consumer file within one ( 1 ) business day of receipt of this letter. The security freeze shall : a ) Prevent the release of any consumer report, credit score, or any information from my consumer file b ) Remain in effect until expressly lifted by me through written authorization c ) Include written confirmation of freeze implementation within five ( 5 ) business days 4. * * OPT-OUT DIRECTIVES * * Pursuant to FCRA 1681b ( e ), I hereby opt out of : a ) All prescreened offers of credit or insurance b ) Affiliate marketing under 1681s-3 c ) All non-essential use or sharing of my consumer information Factor Trust must process these opt-out directives within five ( 5 ) business days and provide written confirmation of same.

* * LEGAL CONSEQUENCES OF NON-COMPLIANCE * * Factor Trust is hereby notified that failure to fully comply with this request constitutes willful noncompliance with the FCRA, potentially subjecting Factor Trust to : 1. Statutory damages ranging from {$100.00} to {$1000.00} per violation pursuant to 1681n ( a ) ( 1 ) ( A ) 2. Punitive damages as determined by the court under 1681n ( a ) ( 2 ) 3. All costs of litigation and reasonable attorney 's fees pursuant to 1681n ( a ) ( 3 ) and 1681o ( a ) ( 2 ) 4. Actual damages resulting from non-compliance pursuant to 1681o * * RESPONSE REQUIREMENTS * * Factor Trust
must respond to this request within fifteen ( 15 ) calendar days from receipt. Your response must : 1. Be delivered via certified mail to my address listed above 2. Include a detailed accounting of all actions taken to verify Metro 2 compliance 3. Be signed by a corporate officer authorized to certify the accuracy of the information provided 4. Include all documentation requested herein Electronic responses are expressly prohibited and will be considered non-responsive. 

This communication serves as evidence of my reasonable attempt to enforce my rights as a sovereign consumer under federal law. Any failure to adequately address the requirements herein will be considered grounds for further legal action without additional notice. 

Sincerely, XXXX XXXX * * NOTICE TO PRINCIPAL IS NOTICE TO AGENT ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL * *

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