Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX **SENT VIA CERTIFIED MAIL - **Re : Notice of FCRA Violations and Demand for Settlement - File Number : XXXX To Whom It May Concern : This letter serves as formal notice of numerous violations of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and Consumer Data Industry Association ( " CDIA '' ) Metro 2 Format requirements in my TransUnion credit report. I am demanding immediate investigation, correction, and settlement of these violations. 

XXXX XXXX Consumer Information Consumer Name : XXXX XXXX XXXX File Number : XXXX Report Date : XX/XX/XXXXXXXX XXXX XXXX  Summary of Violations My credit report contains numerous, systemic violations of federal law and industry standards that have persisted despite previous disputes. These violations are not isolated errors but demonstrate a pattern of willful noncompliance with federal consumer protection laws. 

XXXX XXXX Specific FCRA Violations 1. **Section 605A Security Freeze Violations ( 15 U.S.C. 1681c-1 ) ** - My report explicitly states " SECURITY FREEZE : This file has been frozen or locked at the consumer 's request '' - Despite this freeze, multiple unauthorized inquiries appear after the freeze implementation, including inquiries dated in XXXX - This constitutes willful circumvention of security freeze protections 2. **Section 607 ( b ) Reasonable Procedures Violations ( 15 U.S.C. 1681e ( b ) ) ** - Future-dated inquiries ( as late as 3/04/2025 ) appear throughout my report - Implausible values ( {$0000000000.00} ) appear in multiple fields - Inconsistent identification of identical companies ( e.g., multiple XXXX XXXX entries with different formatting ) - These errors demonstrate failure to follow reasonable procedures to assure maximum possible accuracy 3. **Section 611 Investigation Failures ( 15 U.S.C. 1681i ) ** - My consumer statement explicitly documents prior disputes of Metro 2 format violations - These violations persist despite prior notification, demonstrating willful failure to reasonably investigate and correct 4. **Section 604 Permissible Purpose Violations ( 15 U.S.C. 1681b ) ** - Multiple duplicate inquiries from identical companies ( e.g., XXXX XXXXXXXX XXXX appearing twice with identical information ) - Numerous vague " WRITTEN AUTHORIZATION '' permissible purposes without supporting documentation - These demonstrate failure to properly verify permissible purpose before allowing access to my credit information # # XXXX XXXX FormatXXXX Compliance Violations 1 . **Base Segment Field Violations** - Account Status/Payment History Profile conflicts ( Fields 17A/18 ) in violation of XXXX XXXX XXXX - Date field inconsistencies ( Fields 24-27 ) in violation of XXXX XXXX XXXX - Terms frequency reporting errors ( Fields XX/XX/XXXX ) in violation of XXXX XXXX XXXX XXXX. **Specialized Segment Violations** - XXXX Segment failures ( Consumer Information Indicator ) - security freeze ignored by multiple furnishers in violation of XXXX XXXX XXXX - XXXX Segment issues ( Original Creditor Name ) - collection accounts missing proper creditor linkage in violation of XXXX XXXX XXXX - XXXX Segment format inconsistencies- multiple entities with inconsistent formatting in violation of basic CCRG reporting require ments XXXX. **Required Condition Code Violations** - XB Code failures ( Account Information Disputed ) - missing dispute indicators despite documented consumer disputes in violation of XXXX XXXX XXXX - Missing mandatory condition codes ( XXXX ) based on account circumstances in violation of XXXX XXXX XXXX XXXX. **E-OSCAR Processing Violations** - My consumer statement specifically cites E-OSCAR processing issues- Persistent errors after dispute indicate ACDV investigation failures in violation of XXXX XXXXXXXX XXXX XXXX XXXX Demand for Settlement These violations have caused me significant harm, including [ briefly describe any specific harm if applicable, such as : denial of credit, higher interest rates, emotional distress, time spent addressing these issues ]. 

Under the FCRA, I am entitled to actual damages, statutory damages of up to {$1000.00} per willful violation, punitive damages, and attorney 's fees and costs. Based on the numerous, willful violations detailed above, I demand : 1. Immediate investigation and correction of all errors in my credit file 2. Removal of all unauthorized inquiries 3. Provision of corrected credit reports to all entities that received my report in the last two years 4. Monetary settlement in the amount of $ [ insert demand amount ] to compensate for these violations and damages # # Response Required Please respond to this demand within 30 days. If I do not receive a satisfactory response, I intend to pursue all available legal remedies, including but not limited to : 1. Filing a complaint with the Consumer Financial Protection Bureau 2. Filing a complaint with the Federal Trade Commission 3. Initiating legal action seeking maximum statutory and punitive damages under the FCRA I am willing to discuss reasonable settlement terms. All communications regarding this matter should be directed to me at the contact information provided above. 

This letter serves as notice under all applicable pre-litigation notice requirements. 

Sincerely, XXXX XXXX XXXX XXXX **NOTICE : PRESERVE ALL RELEVANT RECORDS** This letter also serves as a formal notice to preserve all records related to my credit file, including all investigations, communications, and system logs related to the processing of my information and disputes. Destruction or alteration of these records may constitute spoliation of evidence.

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