Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
FORMAL DISPUTE & DEMAND FOR INVESTIGATION FCRA 609, 611, & 623 ; METRO 2 NON-COMPLIANCE Full Name : XXXX XXXX File Number : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To Whom It May Concern : I am writing to formally dispute multiple inaccurate, unverifiable, and obsolete items on my TransUnion credit file that violate the Metro 2 Credit Reporting Resource Guide and the Fair Credit Reporting Act ( FCRA ). This letter constitutes a formal request for investigation and permanent deletion. 

My accurate and current personal information is as follows : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX SECTION 1 : DISPUTE OF INACCURATE PERSONAL INFORMATION ( FCRA 611 ) The following personal information is inaccurate and must be removed immediately. I have never resided at these addresses, and their presence on my report risks file mixture and identity theft, violating Metro 2 standards. 

Inaccurate Addresses for Deletion : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, my full legal name is XXXX XXXX The variation XXXX XXXX XXXX XXXX XXXXXXXX '' is inaccurate and must be deleted immediately. The following phone numbers are obsolete or incorrect and must be purged from my file : ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. 

SECTION 2 : DISPUTE OF UNAUTHORIZED & OBSOLETE HARD INQUIRIES ( FCRA 604 & 611 ) The following hard inquiries were not authorized by me for a permissible purpose. I demand you provide evidence of my authorization for each. If you can not, they must be deleted.

Unauthorized Hard Inquiries for Investigation & Deletion : XXXX XXXX  via XXXX XXXX  on XX/XX/XXXX XXXX XXXX  XXXX via XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX SECTION 3 : DISPUTE OF INACCURATE SOFT INQUIRIES ( FCRA 611 ) I dispute the following soft inquiries. I have no knowledge of these entities pulling my credit report for the stated purposes, and I did not authorize them. They are inaccurate and must be investigated and removed. 

Inaccurate Soft Inquiries for Investigation & Deletion : XXXX XXXX - XXXX - XXXX XXXX  XXXX  on XX/XX/XXXX Any and all other soft inquiries not explicitly authorized by me. 

SECTION 4 : DEMAND FOR DELETION OF UNVERIFIABLE COLLECTION ACCOUNT DUE TO METRO 2 & FCRA VIOLATIONS I dispute the collection account from XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  in its entirety. I have no knowledge of this alleged debt. The furnisher is in clear violation of the Metro 2 standard, rendering the tradeline non-compliant and legally unverifiable.

Specific Metro 2 and FCRA Violations : 1. Violation of Metro 2 Field Completion Requirements ( FCRA 623 ( a ) ( 5 ) ( A ) ) : The account is missing critical data fields mandated by the Metro 2 guide, including the " Last Payment Date ''. Its absence makes the account status unverifiable.

2. Violation of Metro 2 Account Number Reporting Standards : The account number is partially obscured. Metro 2 guidelines require furnishers to provide the complete account number to ensure accurate matching. This partial reporting makes definitive verification impossible.

3. Inaccurate Reporting of Date of First Delinquency ( FCRA 623 ( a ) ( 5 ) ) : I dispute the accuracy of the " Date of First Delinquency. '' If this date is wrong, the entire account is unverifiable.

CONCLUSION & LEGAL DEMAND Pursuant to FCRA 611, you are required to conduct a full reinvestigation of all disputed items within 30 days. For all items that can not be verified as 100 % accurate and Metro 2 compliant, you must promptly and permanently delete them from my file.

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