Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
I submit this complaint because TransUnion ignored a final legal notice sent on XX/XX/year>XXXX  demanding correction of clear reporting errors. In that letter I explicitly warned it was my final opportunity to resolve this matter administratively before litigation. The notice identified five tradelines and one unauthorized inquiry that remain inaccurately reported on my TransUnion file. TransUnions continued failure to delete or correct these items after receiving that notice is a willful refusal to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

The disputed accounts ( each demanded removed in the notice ) are exactly as follows XXXX XXXX XXXX XXXX  Two Charge-Offs ( accounts ending in * XXXX and * XXXX ) XXXX XXXX Unsecured Loan ( account ending in * XXXX ) XXXX XXXX Installment Loan ( account ending in * XXXX ) XXXX XXXX XXXX XXXX  Account XXXX Unauthorized Inquiry Each of these tradelines was reported improperly. For example, TransUnion illegally re-aged the XXXX XXXX charge-offs past the seven-year reporting limit ( 605 ( a ) ( 4 ) ) and continued to update closed XXXX XXXX accounts with inflated balances in violation of Metro 2 guidelines. TransUnion also shows the XXXX and XXXX XXXX loans in contradictory states reporting them as current while posting late payments directly violating Metro 2 rules and 1681e ( b ) and 1681i ( a ) of the FCRA. TransUnion further failed to update or delete this information after notice, breaching 1681s-2 ( b ). 

In the case of XXXX XXXX XXXX, TransUnion keeps tagging the account with recurring XXXX  status codes even though no collection activity has occurred, a flagrant Metro 2 violation that constitutes a failure to maintain maximum possible accuracy under 1681e ( b ). TransUnion also inserted a hard inquiry from XXXX without any permissible purpose, in direct violation of 604 ( a ) ( 3 ). 

Each of these practices is a material inaccuracy that has harmed my credit. Multiple data furnishers confirm they submitted identical information to all credit bureaus, which means TransUnion alone is reporting false data. For instance, XXXX XXXX told the CFPB it sends the same account data to every CRA. As I emphasized in my notice, multiple furnishers have confirmed that identical data is supplied to all CRAs, and TransUnion is the bureau reporting inaccurate or contradictory information. Because these furnishers data are uniform, the only explanation for the discrepancies on my file is TransUnions own misreporting. TransUnion can not hide behind furnishers under 1681e ( b ) and 1681n its liability for these errors is clear. 

TransUnions conduct is willful and has caused me concrete financial harm by obstructing my creditworthiness. My letter demanded a statutory award of {$10000.00} for these willful violations, and I intend to pursue that remedy. I made clear that this was a final notice, not a routine dispute, and that failure to correct the errors would lead to legal action. TransUnions failure to act on this last chance effectively ignoring federal law is unacceptable and demonstrably reckless.

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