Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Subject: Formal Complaint Against TransUnion for FCRA and Metro 2 Violations TransUnion File No.: XXXX   To the Consumer Financial Protection Bureau: I am submitting this formal complaint against TransUnion for multiple and willful violations of the Fair Credit Reporting Act (FCRA), failure to comply with Metro 2 credit reporting standards, and refusal to provide the legally required method of verification and investigation results regarding the following four accounts:  1. XXXX XXXX XXXX  (XXXX) Account Number: XXXX XXXX XXXX XXXX  TransUnion is inaccurately reporting 120-day late payment history for 3 consecutive months (XXXX XXXX XXXX) and charge off reporting (XXXX XXXX XXXX) without closing the account or updating it properly per Metro 2 format.  The account reflects a charge-off, yet continues to show balance fluctuations and duplicate derogatory data.  No method of verification was provided after I submitted my dispute, violating 15 U.S.C.  1681i(a)(6)(B)(iii).  2. XXXX XXXX XXXX  (XXXX) Account Number: XXXX XXXX XXXX XXXX  The account reflects 120-day late payments consecutively from XXXX  to XXXX, violating Metro 2 standards for proper aging and resolution of delinquent tradelines.  Listed as charged off, but still actively reports a balance with derogatory history that inaccurately remains static. Also chargeoff reporting XXXX XXXX XXXX  TransUnion has not provided evidence of a proper investigation or reinvestigation process.  3. XXXX XXXX XXXX   (XXXX) Account Number: XXXX XXXX XXXX XXXX  TransUnion is reporting 120-day delinquency for 11 months (XXXX XXXX XXXX) without resolution, suggesting willful disregard for Metro 2 reporting accuracy.  Charge-off status is contradicted by continuing activity on the balance and ongoing derogatory notations.  I requested a reinvestigation and method of verification, but none was supplied.  4. XXXX XXXX Account Number: XXXX XXXX XXXX XXXX  TransUnion is reporting this account with multiple static Charge-Off and 120 entries, in clear violation of Metro 2 requirements.  There is no accurate update showing final closure or deletion, and the tradeline continues to damage my file.  I have submitted an FTC Identity Theft Report and police report, and TransUnion has refused to block or delete the account in violation of 15 U.S.C.  1681c-2(a).  Violations Committed by TransUnion:  15 U.S.C.  1681i(a)(6)(B)(iii): No method of verification or reinvestigation results provided.  15 U.S.C.  1681e(b): Failure to maintain maximum possible accuracy.  15 U.S.C.  1681s-2(b): Failure to conduct a proper reinvestigation.  15 U.S.C.  1681c-2(a): Failure to block fraudulent information upon notice of identity theft.  Relief Requested: I hereby request the following: 1. Permanent deletion and blocking of the four accounts listed above within 72 hours of this CFPB complaint. 2. Full disclosure of:  The method of verification,  All parties contacted,  Dates and documentation used in the investigation. 3. No reinsertion of any of these accounts unless in full compliance with 15 U.S.C.  1681a(a)(5)(B).  Notice of Intent to Sue: Should TransUnion fail to comply with this request, I will initiate legal action and sue for statutory damages of XXXX per violation under 15 U.S.C.  1681n (willful noncompliance) and  1681o (negligent noncompliance), in addition to actual and punitive damages, attorneys fees, and any other relief the court deems appropriate.  This complaint is supported by my credit report (File No. XXXX), my FTC Identity Theft Report, and a police report on file with the bureaus. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXADDED DOCUMENTS FOR COMPLAINT NUMBER XXXX

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