Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern : On XX/XX/year>, I submitted this formal dispute and complaint regarding multiple inaccurate, incomplete, and unverifiable accounts appearing on my credit reports. These tradelines fail to meet the accuracy and data integrity requirements of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Metro 2 data reporting standards established by the Consumer Data Industry Association ( CDIA ).

After reviewing my credit reports from Experian, Equifax, and TransUnion dated XX/XX/year>, I have identified numerous inconsistencies, reporting errors, and unverifiable data that materially misrepresent my credit profile. 

Disputed Accounts and Issues Identified : XXXX. XXXX XXXX XXXX XXXX XXXX. Acct # XXXX ( Experian & TransUnion ) Reported as charged off, but balance, payment history, and Date of First Delinquency fields are inconsistent across bureaus. Contains contradictory remarks and status codes ( Account previously in dispute, Charge-off, Closed by grantor ), which violate Metro 2 Base Segment Field 17 ( Account Status ) and Field 11 ( Account Type ) accuracy guidelines. 

XXXX. XXXX XXXX XXXX  XXXX XXXX. Acct # XXXX ( Experian & TransUnion ) Reported charge-off date and balance inconsistent with payment history ; no verifiable data for charge-off amount. Failure to properly populate Compliance Condition Code ( CCC ) and Date of Account Information ( DAI ) fields as required under Metro 2. 

XXXX. XXXX XXXX XXXX  XXXX XXXX. Acct # XXXX ( Experian & TransUnion ) Duplicate and conflicting data entries across Experian and TransUnion files. Payment history and balance data differ by month, violating FCRA 1681e ( b ) ( maximum possible accuracy ) and Metro 2 Field 25 ( Current Balance ) standards. 

. XXXX XXXX XXXX XXXX  Acct # XXXX XXXXXXXX ( Equifax ) Reported charge-off without verified date of first delinquency or proof of sale/transfer to another entity. Improper use of narrative codes ( 067, 123, 174 ) inconsistent with charge-off status, violating Metro 2 Segment Code specifications.

Legal Basis for Dispute : Under FCRA 1681i, credit reporting agencies must reinvestigate disputed information and verify each data fields accuracy and completeness within 30 days of receipt. If a furnisher can not verify each data element per Metro 2 reporting requirements including the Date of First Delinquency, Account Status, Balance, and Payment History the entire tradeline must be corrected or deleted.

Each bureau is also required under FCRA 1681e ( b ) to ensure the maximum possible accuracy of consumer information. In addition, the CFPB XXXX XXXX mandates that data furnishers maintain procedures to ensure Metro 2 compliance and accurate transmission of account data.

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