Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I am submitting this formal complaint against TransUnion for reporting false, contradictory, and non-compliant credit data in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting standards. The account in question is a federal student loan ( XXXX. of XXXX, Account ending in XXXX ), which I previously disputed due to several inaccuracies in its reporting. TransUnion marked the item as updated, but the payment history still contains materially inaccurate and misleading derogatory entries that are both logically and legally impossible. 

TransUnion is reporting a XXXX late payment for XX/XX/XXXX, followed by XXXX late payments in XXXX and XX/XX/XXXX. In XXXX, they are also reporting a XXXX late for XXXX and XXXX late payments in both XXXX and XXXX. These patterns are impossible under Metro 2 data formatting rules. A consumer can not be 120 days late twice in a row without the account being resolved or charged off. These false lates are not only inaccurate, but they also appear designed to create a pattern of extended delinquency that severely and unfairly damages my credit profile. Additionally, the payment history for the months prior to XX/XX/XXXX and XX/XX/XXXX show OK or on-time payments, making it impossible to legally jump to a 90-day late status without first reporting 30- and 60-day lates. The jump from an OK status to 90 days delinquent violates Metro 2 standards and FCRA 1681e ( b ), which mandates maximum possible accuracy in reporting. 

TransUnion is also reporting major derogatory payments during a period when the account was in deferment. The account includes the remark XXXX XXXX XXXX XXXX XXXX XXXX  ; PAYMENT DEFERRED, confirming that no payment was required during the time. Yet late payments are still reported for those exact months, which is a violation of both FCRA and Metro 2, including Field 11 and Field 24. If no payment was due, then no delinquency can legally exist.

In addition, TransUnion lists the account as Current ; Paid or Paying as Agreed, while simultaneously showing multiple 90- and 120-day late marks. This is an internal contradiction. The pay status and payment history must align. The combination of positive pay status with major derogatories is deceptive and misleading to lenders, violating both FCRA and Metro 2 field logic.

After submitting a formal dispute to TransUnion, they responded on XX/XX/XXXX, indicating that the account was updated. However, none of the above inaccuracies were corrected or removed. TransUnion failed to produce documentation proving verification of the late payments, and the same errors remain on my credit file. This constitutes a failure to conduct a reasonable reinvestigation as required under FCRA 1681i. They also violated 1681i ( a ) ( 5 ) ( A ) by failing to delete information that could not be verified.

There are multiple Metro 2 field violations in this case, including Field 11 ( impossible payment history sequences and false delinquencies ), Field 17 ( pay status not matching the actual profile ), Field 24 ( failure to indicate deferment correctly ), and Field 27 ( omission of the proper dispute condition code ).

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