Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Inaccurate Credit Information and Demand for Metro 2 Compliance Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to dispute inaccurate and incomplete information on my credit report, which jeopardizes my right to a fair and accurate credit profile. These errors violate the FCRAs mandate for maximum possible accuracy ( 607 ( b ) ) and the data furnishers obligation to provide complete and accurate information ( 623 ( a ) ( 1 ) ( A ) ). Additionally, I demand compliance with the Metro 2 Credit Reporting Resource Guide ( CRRG ) standards to ensure the integrity of my credit file. 

The following account ( s ) contain errors that compromise the fairness and accuracy of my credit report, potentially jeopardizing my financial opportunities and reputation : Disputed Account ( s ) and Metro 2 Violations : Account : [ e.g.XXXX XXXX, Account # XXXX ] Status : [ e.g., Charged off as bad debt ] Violations : Field Integrity Violation ( Segment Field XXXX ) : The account name [ e.g., XXXX ] is corrupted or unintelligible, undermining the Metro 2 requirement for accurate and readable account identification. This error violates FCRA 607 ( b ), jeopardizing my right to a fair credit report. 

Incomplete Payment History ( Base Segment ) : The absence of payment history, reported as No payment history available to display, violates Metro 2s requirement for complete historical reporting when available, breaching FCRA 623 ( a ) ( 1 ) ( A ). 

Data Inconsistency ( XXXX XXXX ) : The original creditor field, listed as - instead of a valid name, fails to meet Metro 2 standards for accurate reporting of sold or transferred accounts, further compromising fairness.

Requested Action : Correct the account name to reflect the true creditor, furnish a complete payment history, and update the original creditor field to ensure compliance with Metro 2 and FCRA standards. 

Account : [ e.g., XXXX XXXX XXXX, Account # XXXX ] Status : [ e.g., Paid or paying as agreed ] Violations : Payment History Data Quality ( XXXX XXXX ) : The reporting of Data Unavailable for multiple months violates Metro 2s data completeness standards, kindizing the accuracy of my credit profile under FCRA 607 ( b ). 

Status Classification Inconsistency : The account is reported as Paid or paying as agreed despite a {$0.00} balance and a last payment in [ e.g., XX/XX/XXXX ], which should reflect Closed/Paid per Metro 2 Account Status Code requirements. This misrepresentation kindizes fair credit evaluations. 

Requested Action : Provide a complete payment history and amend the account status to Closed/Paid to restore fairness and compliance. 

Account : XXXX, Account # XXXX ( Installment Account ) Status : Paid or paying as agreed Violations : Severe Account Name Corruption ( Segment Field XXXX ) : The account name XXXX is corrupted or truncated, violating Metro 2s requirement for accurate and readable account identification. This error undermines FCRA 607 ( b ), kindizing a fair representation of my credit history. 

Account Number Format Violation : The account number XXXX appears artificially masked or corrupted, failing to meet Metro 2s Consumer Account Number field integrity standards.

Timeline Inconsistency : The last payment date ( XX/XX/XXXX ) conflicts with account closure and balance update dates, violating Metro 2s temporal data consistency requirements and FCRA 607 ( b ).

Requested Action : Correct the account name and number to reflect accurate creditor information, resolve the timeline inconsistencies, and ensure compliance with Metro 2 and FCRA standards. 

Account : XXXX, Original Creditor : XXXX XXXX XXXX XXXX ( Collection Account ) Status : [ Not specified ; assumed disputed based on notation ] Violations : Missing Payment History ( Base Segment ) : The report states No payment history available to display, despite Metro 2 requiring collection accounts to report payment activity when available, violating FCRA 623 ( a ) ( 1 ) ( A ). This omission kindizes fair credit reporting. 

Disputed Account Notation : The account is marked Account information disputed by consumer without a resolution status, violating FCRA 623 ( a ) ( 8 ) and Metro 2s requirement for proper dispute resolution documentation. 

Collection Account Date Verification Issue : The date opened ( XX/XX/XXXX ) versus status updated ( XX/XX/XXXX ) shows a significant gap without documentation, potentially violating FCRA 605 ( c ) regarding statute of limitations and reporting periods. 

Requested Action : Provide complete payment history, update the dispute resolution status, and verify the reporting period to ensure compliance with Metro 2 and FCRA. If the account exceeds the permissible reporting period, remove it from my credit report. 

Account : XXXX XXXX, Account # XXXX ( Revolving Account ) Status : 30 days past due Violations : Payment History Data Gaps ( Base Segment ) : Payment history includes Data Unavailable periods, violating Metro 2s requirement for complete historical data reporting and FCRA 607 ( b ), kindizing the accuracy of my credit profile. 

Status vs. Balance Inconsistency : The account is reported as 30 days past due with a {$24.00} past due amount but a {$120.00} current balance, reflecting a mathematical inconsistency in Metro 2s Account Status and Balance fields. 

Credit Grantor Cancellation Note : The notation Canceled by credit grantor conflicts with the 30 days past due status, violating Metro 2s Account Status Code consistency requirements and kindizing fair reporting.

Requested Action : Furnish complete payment history, correct the status and balance inconsistencies, and resolve the conflicting cancellation note to comply with Metro 2 and FCRA standards.

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