Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Date : [ Insert Date ] XXXX XXXX To XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX * * Via Certified Mail & Email XXXX XXXX XXXX XXXX  Re : Formal Demand for Correction of Inaccurate Credit Reporting Under FCRA 609, 611, 623 and Metro 2 Compliance Standards * * Dear Credit Bureau, Under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, I hereby formally dispute inaccuracies, unverifiable information, and non-compliant reporting on my credit profile. The following items violate federal law, Metro 2 Compliance standards, and the Consumer Data Industry Associations guidelines. I demand immediate correction, deletion, or updating of all disputed entries to reflect XXXX XXXX 100 % payment accuracy XXXX XXXX and compliance with XXXX XXXX paid as agreed, never late XXXX XXXX statuses. 

-- - # # # XXXX XXXX  Specific Disputes & Required Actions XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  ( Account # XXXX  ) XXXX XXXX XXXX XXXX XXXX Incorrect Derogatory Status XXXX XXXX  : This account was XXXX XXXX closed on XX/XX/XXXX XXXX XXXX, yet it inaccurately reports Currently Late and XXXX Missed Payments as of XX/XX/XXXX. Post-closure derogatory reporting violates XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Account XXXX Codes ). 
XXXX XXXX XXXX Payment History Errors XXXX XXXX  : The XXXX ledger shows a Late mark in XX/XX/XXXX, conflicting with subsequent Current statuses. All payments were made * * on time XXXX XXXX  ; failure to reflect this violates XXXX XXXX  FCRA 623 ( a ) ( 5 ) XXXX XXXX 
XXXX XXXX XXXX Demand XXXX XXXX : Update the account to Closed by XXXX and revise payment history to XXXX XXXX 100 % on-time XXXX XXXX, removing all late or derogatory remarks. 

2. XXXX XXXX XXXXXXXX XXXX  XXXX ( Account # XXXX  ) XXXX XXXX XXXX XXXX XXXX  Unverified XXXX Missed Payments XXXX XXXX  : No validation or documentation supports these claims. Per XXXX XXXX FCRA 611 ( a ) ( 1 ) ( A ) XXXX XXXX, unverifiable data must be deleted. 

3. XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Account # XXXX  ) XXXX XXXX XXXX XXXX XXXX  Contradictory Reporting * * : Marked Currently On-Time yet lists XXXX Missed Payment. Correct to reflect * * XXXX missed payments XXXX XXXX and XXXX XXXX  Paid as Agreed * * status. 

4. XXXX XXXX  Outdated Information XXXX XXXX XXXX Remove all entries older than 7 years ( e.g., XXXX Unknown statuses ), per XXXX XXXX FCRA 605 ( a ) XXXX XXXX XXXX XXXX  Legal Compliance Demands XXXX XXXX XXXX XXXX XXXX FCRA 609 XXXX XXXX  : Provide XXXX XXXX signed payment agreements XXXX XXXX XXXX XXXX transactional records XXXX XXXX and XXXX XXXX  account-level documentation XXXX XXXX to substantiate disputed items. 

XXXX XXXX XXXX FCRA 611 XXXX XXXX  : Conduct a full reinvestigation via XXXX XXXX  e-OSCAR XXXX XXXX  within 30 days, ensuring furnishers comply with XXXX XXXX Metro 2 formatting XXXX XXXX ( e.g., correct Payment Profile Codes, Account Status Indicators ).

XXXX XXXX XXXX FCRA 623 XXXX XXXX XXXX  Direct furnishers to reconcile discrepancies and certify the accuracy of all data. 

XXXX XXXX Failure to resolve these violations will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies for willful non-compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

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