Consumer complaint received 2025-06-23 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 Data Furnisher Name : XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of XXXX XXXX XXXX XXXX for XXXX XXXX and CompensationAccount Number : Unknown Dispute ID : inaccurate Dear Sir or Madam, I am writing to formally dispute the inaccurate and unverifiable information reported on my credit report by XXXX XXXX  for the above-referenced account, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. I demand a thorough investigation, correction, or permanent deletion of this account from my credit file, as well as compensation for the damages caused by these violations. This dispute complies with the e-OSCAR system requirements and Metro 2 guidelines, and I invoke my rights under federal and state laws, including but not limited to FCRA 1681e ( b ), 1681s-2 ( b ), and 18 U.S.C. 1343 ( wire fraud ). 
Inaccuracies and Violations The XXXX XXXX account, reported as of XX/XX/XXXX, contains multiple inaccuracies and non-compliant reporting practices, as outlined below : XXXX. Inaccurate Date of First Delinquency ( DOFD ) : * The XXXX is either unreported or inaccurately reported, violating 15 U.S.C. 1681c and Metro 2 guidelines ( XXXX segment ). The XXXX determines the obsolescence period for derogatory accounts, and failure to report it accurately misleads creditors and violates FCRA 1681e ( b ), which mandates reasonable procedures to ensure maximum accuracy. 
* Case Law : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that inaccurate reporting of delinquency dates violates FCRAs accuracy requirements. 
* Demand : Verify the DOFD with original documentation ( e.g., payment history or contract ). If unverifiable, delete the account per 15 U.S.C. 1681i ( a ) ( 5 ). 
XXXX. Misleading Payment History and Status Codes : * The account is reported as Derogatory with a Charge-off and Profit and loss write-off remark, yet the payment history shows only A ( derogatory ) for XXXX and no detailed history for prior years. This violates Metro 2 standards ( XXXX XXXX, XXXX XXXX XXXX ), which require accurate status codes ( e.g., XXXX for charge-off, XXXX for repossession ) and complete payment history. 
* The reported XXXX Days Late worst payment status conflicts with the lack of detailed late payment history, rendering the reporting misleading under FCRA XXXX XXXX b ). 
* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, furnishers were held liable for failing to report accurate payment statuses. 
* Demand : Provide documentation substantiating each late payment and status code. If unverifiable, delete the account. 
XXXX. Failure to Validate Debt : * XXXX XXXX has not provided evidence of debt validation, such as the original contract, payment history, or proof of ownership, violating FDCPA 1692g ( b ). Reporting unvalidated debts is a deceptive practice under FDCPA 1692e. 
* Demand : Furnish proof of debt validation, including the original creditor agreement and chain of title. If unavailable, delete the account. 
XXXX. Non-Compliance with Metro 2 Role Reporting : * The account lists my responsibility as Individual but fails to clarify whether XXXX XXXX is the original creditor or a third-party furnisher. Metro 2 requires accurate reporting of the furnishers role ( e.g., XXXX field for account type ). XXXX violates FCRA 1681s-2 ( b ). 
* Demand : Clarify XXXX XXXX role and provide supporting documentation. If unverifiable, delete the account. 
XXXX. Lack of XXXX Issuance for Charged-Off Debt : * The account is reported as a Profit and loss write-off ( charge-off ), but no IRS Form XXXX ( Cancellation of Debt ) has been issued, as required by IRS regulations for debts over {$600.00} XXXX after XX/XX/XXXX. This omission suggests the debt XXXX not have been legally XXXX, rendering the charge-off status inaccurate under FCRA XXXX XXXX b ). 
* Demand : Provide a copy of the XXXX or proof the debt was not XXXX. If unverifiable, delete the account. 
XXXX. Potential Wire Fraud via e-OSCAR : * By uploading false or misleading data to my credit file through the e-OSCAR system, XXXX XXXX may have engaged in wire fraud under 18 U.S.C. 1343, which prohibits transmitting false information via electronic means to deceive. 
* Case Law : In United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court clarified intent requirements for wire fraud, applicable to deceptive credit reporting. 
* Demand : Provide all e-OSCAR transmissions related to this account, including XXXX XXXX XXXX XXXX ( XXXX ) records. If fraudulent reporting is confirmed, delete the account and report the violation to authorities. 
XXXX. Incomplete XXXX by XXXX : * Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation, review all dispute information, and delete or correct unverifiable data. FLAGSHIP CRDs failure to validate the account or correct inaccuracies suggests non-compliance. 
* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held furnishers liable for inadequate investigations. 
* Demand : Provide evidence of a reasonable investigation, including all documents reviewed. If non-compliant, delete the account. 
XXXX. Sale of XXXX Without XXXX : * The account appears to have been sold or transferred without proper disclosure, violating FCRA XXXX ( permissible purpose for credit reporting ) and UCC 1-308 ( reservation of rights ). No breakdown of the sale or chain of title was provided, rendering the reporting suspect. 
* Demand : Provide documentation of the sale, including the buyers identity and terms. If unverifiable, delete the account. 
Legal Obligations Under FCRA 1681i ( a ), credit bureaus must conduct a reasonable reinvestigation within XXXX  days, and under 1681s-2 ( b ), furnishers must : * Conduct a real investigation. 
* Review all dispute information. 
* Fix or delete unverifiable data. 
Failure to comply may result in liability for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees under FCRA 1681n and 1681o. FDCPA violations may yield additional damages under XXXX. 
Demands XXXX. Permanent Deletion : Remove the XXXX XXXX account from my credit report with all three bureaus ( XXXX XXXX TransUnion ) due to the above violations. 
XXXX. Compensation : I seek compensation for damages caused by inaccurate reporting, including emotional distress, financial harm, and time spent disputing. I estimate damages at {$5000.00}, subject to negotiation, based on FCRA and FDCPA violations. 
XXXX. Documentation : Provide all records related to this account, including : * OriginaXXXX contract and payment history. 
* e-OSCAR ACDV records. 
* Proof of debt validation. 
* IRS XXXX XXXX, if applicable. 
* Investigation records under XXXX ( b ). 
XXXX. Cease and Desist : XXXX XXXX must cease reporting this account and any related derogatory information. 
XXXX. Metro 2 Compliance : Ensure all future reporting complies with Metro 2 standards, including accurate status codes, XXXX, and furnisher role. 
Reservation of Rights I reserve all rights under UCC 1-308, without prejudice, and intend to pursue all legal remedies if this dispute is not resolved satisfactorily. I may file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state authorities, and pursue private litigation if necessary.

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