Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately! 
Below is a summary of the data in which I am challenging : Summary of Public Records being challenged in list form XXXX ( XXXX ) - ( BS-7 ) Discharged Bankruptcy TransUnion TransUnion Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Discharged Type : XXXX Ive come too far to be stopped by a mistake on my credit report. Seeing this bankruptcy on my report made my XXXX sink because I know what it could mean for my future. Im trying to qualify for a lower-interest car loan to save money each month, but with this entry, my chances are slim. 
The bankruptcy listed is a XXXX, with a status of Discharged, docket number XXXX, filed on XXXX at XXXX Bankruptcy Court.

Ive read that credit reporting agencies must verify public records. In XXXX XXXX TransUnion LLC and XXXXXXXX XXXX XXXX XXXXXXXX XXXX, the courts ruled that unverifiable public records must be removed. 
Please confirm the accuracy of this entry or delete it. 
Lets examine Date Filed/Reported showing XXXX I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... 
Prove that all information for this particular account has been verified. 
Viewing Reference # demonstrating XXXX is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack one or more essential XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX XXXX  TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 2 of 4 components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future. 
Lets take a look at Court reporting U.S. Bankruptcy Court. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the Metro 2 standards. There can be no deviation from these requirements.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated In appreciation XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S.

Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

To Whom It May Concern, This document and all enclosed materials have been sent by me personally ( XXXX XXXX ). 
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and expect it to be handled promptly, fairly, and in accordance with federal law.

Recent legal actions highlight a concerning pattern of noncompliance among credit bureaus XXXX XXXX XXXX XXXX ) Fined {$15.00} XXXX for mishandling consumer disputes and allowing inaccuracies to persist. 
XXXX XXXX XXXXXXXX ) Sued for reinstating errors despite consumer challenges. 
TransUnion ( XXXX ) Found liable for {$60.00} XXXX in damages for mislabeling consumers as high-risk individuals.

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