Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX [ Credit Bureau Name ] TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX ATTN : Settlement Officer / Legal Department RE : FORMAL DISPUTE OF INACCURATE CREDIT INFORMATION ACCOUNT # : [ Account Number from Report ] REPORT # : [ Credit Report Number, if available ] SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED To the Settlement Officer and Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute multiple items on my consumer credit report that fail to comply with the Metro 2 Format requirements as mandated by the XXXX XXXX XXXX XXXX ( XXXX ) and required under the FCRA. 
After careful review of my credit report dated [ Date of Report ], I have identified that the following accounts contain significant Metro 2 Format violations that render them materially inaccurate, incomplete, and unverifiable : XXXX. XXXX / XXXX XXXX XXXX  ( Account # XXXX ) Date Opened : XX/XX/XXXX XXXX. XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX These accounts contain numerous Metro 2 Format violations, including but not limited to : Primary Metro 2 Format Violations : 1. Account Status Indicator ( Field 17A ) : The accounts improperly use 30 and 60 delinquency codes without proper Metro 2 formatting and show conflicting statuses between OK and delinquency ratings.

2. Payment History Profile ( Field 18 ) : The accounts fail to display the XXXX XXXX payment history timeline and use non-standard OK designations instead of proper Metro 2 character codes .

3. Date of First Delinquency ( Field 25 ) : This critical field is completely missing despite delinquencies being reported, a fundamental FCRA violation as this field determines the XXXX reporting timeline. 
XXXX. Account Ownership Indicator ( Field 14 ) : The accounts use text descriptions ( Individual Account ) instead of required Metro 2 codes for ownership types.

5. Special Comment Codes ( Field 19 ) : Missing required codes for transferred accounts ( specifically the XXXX XXXX account showing PURCHASED BY ANOTHER LENDER ). 
XXXX Credit Limit vs. High Balance Discrepancy : The XXXX XXXX account shows a high balance ( {$400.00} ) exceeding the credit limit ( {$200.00} ), which constitutes an inaccurate reporting. 
XXXX. XXXX Segment Violations : Missing required specialized segment data for the charged-off account. 
I hereby request that you : 1. Conduct a reasonable reinvestigation into these Metro 2 Format violations as required under 15 U.S.C. 1681i ( a ) ( 1 ).

2. Forward all relevant information regarding this dispute to the furnishers as required under 15 U.S.C. 1681i ( a ) ( 2 ).

3. Remove these accounts from my credit report if they can not be verified with proper Metro 2 Format compliance as required under 15 U.S.C. 1681i ( a ) ( 5 ).

4. Provide me with written notification of the results of your investigation within 30 days as mandated by the FCRA.

As recently emphasized by the CFPB in their enforcement actions, credit reporting agencies must ensure proper Metro 2 Format compliance by furnishers. The violations identified above render these accounts materially misleading and inaccurate. 
Please be advised that failure to conduct a proper investigation and correct these Metro 2 Format violations may constitute a violation of the FCRA, potentially subjecting your organization to liability under 15 U.S.C. 1681n and 1681o.

I appreciate your prompt attention to this matter and look forward to your response within the timeframe specified by the FCRA.

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