Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
XX/XX/XXXX Data Furnisher Name : XXXX XXXX XXXX XXXX XXXX [ Data Furnisher Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Subject : Dispute of Inaccurate Credit Report Information Demand for Permanent Deletion and Compensation for ViolationsAccount Number : XXXX Account Number, unknown SSN : XXXX Dear Sir or Madam, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Metro 2 compliance standards as governed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the inaccurate and unverifiable information reported on my credit report regarding the above-referenced XXXX account XXXX Additionally, I demand the permanent deletion of this account from my credit file, correction of all inaccuracies, and compensation for the harm caused by these violations. I also assert my rights under UCC 1-308 to reserve all rights without prejudice. 
I. Overview of Inaccuracies XXXX XXXX  account, reported by XXXX XXXX XXXX XXXX XXXX contains multiple inaccuracies that violate federal law and Metro 2 reporting standards. Specifically : 1. Incorrect Account Status : The account is reported as reopened on XX/XX/XXXX, despite being closed on XX/XX/XXXX. This is inconsistent with Metro 2 guidelines, which require accurate reporting of account status ( e.g., C for closed, not O for open ).

2. Inaccurate Date of First Delinquency ( DOFD ) : The DOFD, if reported, is either missing or incorrect, violating 15 U.S.C. 1681c, which mandates accurate reporting of delinquency dates to ensure obsolete information is not reported beyond the 7-year period.

3. Failure to Verify Account Role : The account does not accurately reflect my role ( e.g., lessee, debtor, or otherwise ) under Metro 2 and 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. 
4. Unusual Reopening of a Closed Account : As noted by XXXX on my TransUnion credit report, the reopening of a previously closed account is highly irregular and suggests a reporting error or unauthorized action by the furnisher. 
These inaccuracies have caused significant harm, including damage to my credit score, financial opportunities, and emotional distress.

II. Legal Violations The reporting of this account violates multiple federal laws and industry standards, including but not limited to : A. Fair Credit Reporting Act ( FCRA ) Violations 1. 15 U.S.C. 1681e ( b ) : The credit reporting agency ( CRA ) and furnisher failed to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The irregular reopening of a closed account and incorrect status codes demonstrate a lack of due diligence. 
* Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds that CRAs must maintain reasonable procedures to avoid inaccurate reporting. 
2. 15 U.S.C. 1681i ( a ) : The CRA failed to conduct a reasonable reinvestigation of disputed information within 30 days. If this dispute is processed through e-OSCAR without proper investigation, it constitutes a perfunctory response, violating FCRA. 
* Case Law : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), establishes that CRAs must conduct meaningful reinvestigations, not merely parrot furnisher data. 
XXXX. XXXX XXXX. XXXX ( b ) : The furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX failed to : * Conduct a real investigation into my dispute.

* Review all relevant information provided in my dispute. 
* Correct or delete unverifiable or inaccurate information. 
* XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), confirms that furnishers must conduct reasonable investigations under 1681s-2 ( b ).

4. 15 U.S.C. 1681c : If the DOFD is incorrect or missing, the account may be reported beyond the permissible 7-year period, constituting a violation of FCRAs obsolescence provisions.

B. Fair Debt Collection Practices Act ( FDCPA ) Violations If XXXX XXXX XXXX or any associated third-party collector attempted to collect on this account after it was closed, or reported misleading information to coerce payment, this violates 15 U.S.C. 1692e ( prohibiting false or misleading representations ) and 1692f ( prohibiting unfair practices ). 
* Case Law : XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds that furnishers and XXXX must not misrepresent the status of a debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines, furnishers must report accurate account status codes, payment history, and consumer roles. The following violations are evident : * Incorrect Status Code : Reporting the account as open ( O ) instead of closed ( C ) violates XXXX XXXX requirement for accurate status reporting. 
* Inaccurate Consumer Role : Failure to specify my role ( e.g., lessee or debtor ) violates XXXX XXXX Account Relationship Code requirements. 
* DOFD Misreporting : If the DOFD is incorrect or omitted, it violates XXXX XXXX Base Segment Field XXXX requirements. 
XXXX XXXX Fraud Allegation If XXXX XXXX XXXX or the CRA knowingly uploaded false or misleading data to my credit file via e-OSCAR or other electronic means, this XXXX constitute wire fraud under XXXX U.S.C. XXXX, which prohibits transmitting false information by wire for fraudulent purposes. I reserve the right to escalate this matter to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
XXXX XXXX Compliance Under Online Credit Reporting Access ( OCRA ) standards, CRAs must ensure secure and accurate data transmission. The irregular reopening of this account suggests a failure in data integrity, violating OCRA protocols. 
XXXX. Demands XXXX on the above violations, I demand the following : XXXX. Permanent Deletion : Immediate and permanent deletion of the XXXX account from my credit file with TransUnion, Equifax, and Experian, as it is unverifiable and inaccurate under XXXX U.S.C. XXXX ( a ). 
XXXX. Correction of Inaccuracies : If deletion is not feasible, correct all inaccuracies, including the account status, XXXX, and consumer role, to comply with XXXX XXXX and FCRA XXXX ( b ). 
XXXX. Compensation : XXXX compensation for the harm caused by these violations, including : * Damage to my XXXX XXXX and financial opportunities. 
* Emotional distress and time spent addressing these errors. 
* Statutory damages under XXXX XXXX. XXXX ( up to {$1000.00} per willful violation ) and XXXX XXXX. XXXX ( actual damages for negligent violations ). 
XXXX. Written Confirmation : Provide written confirmation within 30 days that the account has been deleted or corrected, including updated credit reports from all three CRAs. 
XXXX. XXXX Records : Provide all records of the investigation conducted under XXXX XXXX. XXXX ( a ), including communications with the furnisher and e-OSCAR documentation. 
XXXX. Cease and Desist : XXXX XXXX XXXX must cease reporting this account and any related collection activities, as they are misleading and unverifiable. 

XXXX XXXX of Non-Compliance Failure to comply with this dispute within 30 days as required by XXXX XXXX. XXXX ( a ) will result in : * A formal complaint to the CFPB, FTC, and Virginia Attorney Generals Office. 
* A lawsuit for willful and negligent violations of the FCRA and FDCPA, seeking actual damages, statutory damages, punitive damages, and attorneys fees under XXXX U.S.C. XXXX and XXXX. 
* Potential referral to federal authorities for investigation of wire fraud under XXXX XXXX. XXXX. 
VI. Reservation of Rights I reserve all rights under XXXX XXXX and explicitly state that any action taken to resolve this dispute does not waive my legal rights or remedies. I also reserve the right to amend this dispute with additional evidence or claims. 
Please direct all correspondence to the address listed above. Do not contact me by phone unless absolutely necessary, as this XXXX violate FDCPA XXXX ( c ) if perceived as harassment.

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