Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Re : Dispute of Inaccurate Credit Information Account # XXXX : XXXX XXXX Dear TransUnion I am writing to formally dispute inaccurate, incomplete, and unverifiable information appearing on my credit reports with your agencies, in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Metro 2 compliance standards, and Online Consumer Reporting Act ( OCRA ). The account in question, listed below, contains multiple errors that have caused significant harm to my creditworthiness and financial standing. I demand immediate investigation, correction, and permanent deletion of this account, as well as compensation for damages resulting from these violations. 
Account Details * Creditor/Furnisher : XXXX ( Original Creditor ) * Account Number : XXXX * * * Account Type : Collection * Balance : {$590.00} * Date Opened : XX/XX/XXXX * Last Reported : XX/XX/XXXX * Payment Status : Collection/Chargeoff * Comments : Placed for collection * Date Last Active : XX/XX/XXXX * Two-Year Payment History : Inconsistent and inaccurate reporting ( e.g., M, F, J, D, etc., across bureaus ). 
Violations and Inaccuracies The following inaccuracies and violations have been identified in the reporting of this account : 1. Inaccurate Date of First Delinquency ( DOFD ) : The DOFD is either missing or inaccurately reported, violating 15 U.S.C. 1681c ( g ), which requires accurate reporting of the DOFD for accounts in collection or charged-off status. The DOFD is critical for determining the obsolescence period under FCRA. Inaccurate DOFD reporting misleads consumers and creditors, causing harm to my credit profile.

2. Non-Compliance with Metro 2 Standards : Under Metro 2 guidelines, furnishers must accurately report account roles, statuses, and payment histories. The account is reported with inconsistent payment history codes ( e.g., M, F, J, D ) across bureaus, indicating a failure to adhere to Metro 2s standardized reporting requirements. This violates 15 U.S.C. 1681e ( b ), which mandates reasonable procedures to ensure maximum possible accuracy.

3. Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation of disputed information, review all relevant dispute documentation, and delete or correct unverifiable information. The inconsistent reporting across bureaus and lack of verifiable documentation suggest that XXXX has failed to comply with this requirement. 
4. Misleading Electronic Communication ( Potential Wire Fraud ) : The transmission of false or misleading data through the e-OSCAR system constitutes a violation of 18 U.S.C. 1343 ( Wire Fraud ) if done with intent to deceive. By uploading inaccurate data to my credit file, the furnisher and/or credit bureaus have engaged in deceptive practices that harm my creditworthiness.

5. Violation of FCRA 1681i ( a ) : The credit bureaus have failed to conduct a reasonable reinvestigation of my prior disputes ( if applicable ) within 30 days, as required by 15 U.S.C. 1681i ( a ). The continued presence of inaccurate information suggests a lack of due diligence. 
XXXX. FDCPA Violations : If XXXX or its collection agent has engaged in deceptive or misleading practices ( e.g., reporting unverified debts or misrepresenting the account status ), this violates 15 U.S.C. 1692e of the FDCPA, which prohibits false or misleading representations in debt collection. 
Supporting Case Law * XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Established that credit reporting agencies must follow reasonable procedures to ensure accuracy under 15 U.S.C. 1681e ( b ). Failure to correct inaccurate data after notice constitutes a willful violation. 
* XXXX v. TransUnion, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Confirmed that inaccurate credit reporting causing emotional distress and financial harm entitles consumers to damages under FCRA. 
* XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : XXXX furnishers obligations under 15 U.S.C. 1681s-2 ( b ) to investigate and correct disputed information. 
* XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Highlighted that furnishers must delete unverifiable information from credit reports. 
Demands Pursuant to the FCRA, FDCPA, Metro 2, and OCRA, I demand the following : 1. Immediate Investigation : Conduct a thorough investigation of the account under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ), including verification of the DOFD, payment history, and account status. 
XXXX. Permanent Deletion : Delete the account ( # XXXX * * ) from my credit reports with all three bureaus due to unverifiable and inaccurate information. 
XXXX. Compensation for Damages : Provide monetary compensation for financial harm, emotional distress, and loss of credit opportunities caused by these violations, as permitted under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ).

4. Cease and Desist : Cease reporting this account unless fully verified and compliant with Metro 2 and FCRA standards.

5. Written Confirmation : Provide written confirmation of the investigation results and any corrective actions taken within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Reservation of Rights I reserve all rights under UCC 1-308 ( Without Prejudice ) and will pursue legal action if these violations are not resolved promptly. Failure to comply may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or a private lawsuit for statutory, actual, and punitive damages.

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 explanation