Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
FORMAL DISPUTE LETTER CERTIFIED MAIL - RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX, PA XXXX RE : Dispute of Inaccurate Information Under FCRA 611 ( a ) and 607 ( b ) To Whom It May Concern : I am writing to formally dispute multiple inaccuracies in my TransUnion consumer report dated XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute incomplete or inaccurate information in my consumer file. Additionally, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please note that I have made numerous attempts to submit this dispute through your online portal, but the submission button continuously displays loading and never completes the process, even after waiting several hours. This technical failure of your online dispute system has forced me to submit this written dispute instead, as your website effectively denied me access to the dispute process required by law. 
RELEVANT LEGAL PRECEDENT I direct your attention to XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXXXXXX, XXXX. XXXX ), in which the court determined that TransUnion violated the FCRA by failing to conduct reasonable reinvestigations of consumer disputes. The court specifically held that sending a standard 502 Letter without actually investigating the disputed items constitutes a willful violation of FCRA 1681i. The court emphasized that TransUnion had an artificially narrow view of its obligations under 611 that was inconsistent with the text and structure of the FCRA. Furthermore, the court established that technically accurate but misleading information can still be considered inaccurate under the FCRA if it adversely affects credit decisions. 
PERSONAL INFORMATION CORRECTION My legal name is XXXX XXXX. The name currently listed as XXXX XXXX XXXX is inaccurate. I have enclosed a copy of my drivers license to verify my correct legal name. 
SPECIFIC VIOLATIONS AND ITEMS FOR CORRECTION 1. Metro 2 Format Violations [ 15 U.S.C. 1681e ( b ) ] : The report fails to include required segment fields including Account Status Codes, Payment Rating ( MOP ) codes, Payment History Profiles, and ECOA codes as required under XXXX reporting guidelines. This non-compliance with industry standard Metro 2 Format directly violates your obligation under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of my information. 
2. Account Information Errors : XXXX XXXX ( requested XX/XX/XXXX ) : This inquiry lacks proper permissible purpose documentation XXXX XXXX XXXX : Account contains adverse information without required Date of First Delinquency field 3. FCRA 605 ( a ) ( 5 ) Violation : Several accounts show outdated information from XXXX without proper indication of continued reporting justification 4. Compliance Timestamp Errors : Credit report shows future date ( XX/XX/XXXX ) violating accuracy requirements under FCRA 607 ( b ) Employer verification shows future date ( XX/XX/XXXX ) further demonstrating systemic date reporting errors 5. Employment Verification Errors : Incorrect employer listing of THE UNITED STATES XXXX XXXX- I am not employed by this organization Contradictory employment information showing both military employment and NOT APPLICABLE Improper Active Duty Military status indicated on my account 6. SCRA and Military Lending Act Violations : False military service designation violates Servicemembers Civil Relief Act ( SCRA ) disclosure requirements Improper military status designation creates misleading impression of SCRA protections that do not apply

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