Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED RE : DISPUTE OF INACCURATE INFORMATION AND DEMAND FOR CORRECTION UNDER FCRA To Whom It May Concern : I am writing to formally dispute inaccurate information contained in my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and demand its correction or removal. After reviewing my report dated XX/XX/year>, I have identified multiple serious inaccuracies that violate FCRA provisions requiring maximum possible accuracy in consumer reporting. 

**I DEMAND THAT THESE ISSUES BE RESOLVED WITHIN 3 DAYS OF RECEIPT OF THIS LETTER. ** **DISPUTED INFORMATION : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following name variations in my report are incorrect and must be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other variations not matching my legal name 2. **Associated Persons/Additional Names : ** The following people listed in my insurance policy section are incorrectly associated with me and must be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Any other addresses must be removed. 

4. **Contradictory Information : ** The insurance policy shows as both " Active '' status yet has " Reason Policy Cancelled : Non Pay. '' This contradictory information is inaccurate and harmful to my credit profile. 

**FCRA VIOLATIONS AND METRO 2 COMPLIANCE ISSUES : ** These inaccuracies constitute multiple violations of the FCRA and Metro 2 compliance standards, including but not limited to : 1. Violation of FCRA Section 607 ( b ) requiring " reasonable procedures to ensure maximum possible accuracy '' 2. Violation of FCRA Section 611 regarding proper investigation of disputed information 3. Violation of FCRA Section 623 ( a ) ( 1 ) ( B ) prohibiting furnishing of information with " actual knowledge of errors '' 4. Violation of FCRA Section 605 ( a ) ( 6 ) relating to identity theft flags not being properly processed 5. Violation of Section 604 regarding permissible purpose for sharing information 6. Violation of Metro 2 compliance standards and XXXX coding requirements, specifically : - Improper use of Compliance Condition Codes ( CCC ) - should be using XB ( Consumer Disputes ) and XXXX ( Identity Theft ) codes - Improper handling of my identity theft flags/security freeze which were placed on XXXX XXXX XXXX  - Violation of XXXX Metro 2 Format regarding handling of name variations and mixed file indicators- Violation of TILA and ECOA requirements as incorporated in XXXX 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