Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
TO WHOM IT MAY CONCERN, THIS DOCUMENT AND ALL ENCLOSED MATERIALS HAVE BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). 
I am formally disputing inaccurate information on my credit report under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). I demand that this dispute be investigated in compliance with federal law.

Your history of failing to comply with dispute resolution laws is well-documented : XXXX XXXX XXXX ) Fined {$15.00} XXXX for ignoring consumer disputes and reinstating incorrect information. 
XXXX XXXX XXXXXXXX ) Sued for manipulating dispute outcomes and failing to correct errors. 
TransUnion ( XXXX ) Lost a {$60.00} XXXX jury verdict for false security watchlist labeling. 
I expect a written response sent to the following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX Additionally, you are required to confirm receipt of this dispute within 14 business days. 
THIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). Failure to respond will lead to immediate legal escalation. 
Sincerely, XXXX XXXX XXXX Page 1 of 11 To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatory information against me are false. I will fight back with all my strength! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Open Account Type : XXXXXXXX XXXX Balance Owed : XXXX {$250000.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX Creditor Type : -Banking Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$270000.00} Last Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 2 of 11 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX XXXX Type : XXXX {$1600.00} AsAgreed XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Past Due Amount : XXXX Payment Frequency : XXXX Term Length : XXXX -- -- - The information in the upper section was never proven to meet compliance reporting standards. The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
Also, see the image above for XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets examine Account XXXX ( XXXX ) showing Mortgage I challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! 
When I scrutinized Payment Amount ( XXXX ) presenting {$1600.00}. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. 
Lets examine Payment Status ( XXXX ) showing AsAgreed Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! 
Upon inspecting Balance Owed ( XXXX ) exhibiting {$250000.00}. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the CDIA.

Upon inspecting Last Verified ( XXXX ) exhibiting XXXX. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. 
I was looking at High Balance ( XXXX ) expressing {$270000.00}. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. 
XXXX XXXX XXXX  XXXX - XXXX Page 3 of 11 TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX AsAgreed Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$32000.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED REPORTED BY GRANTOR Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$37000.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$710.00} Payment Frequency : XXXX Payment Status : XXXX AsAgreed Term Length : XXXX Loan Type : Automobile The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. 
Also, see the image above for XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I want to bring to your attention Payment Amount ( XXXX ) reporting {$710.00}. 
This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. 
Upon inspecting Account Type ( XXXX ) exhibiting Installment. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of XXXX adherence to applicable compliance standards for this particular account. 
I want to bring to your attention Payment Status ( XXXX ) reporting AsAgreed. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? 
XXXX XXXX XXXX - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$5700.00} Closed Date : XXXX Credit Limit : XXXX Creditor Remarks : XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER Creditor Type : -XXXX  Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX Y High Balance : XXXX {$5700.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX Payment Frequency : XXXX Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX Loan Type : - I am contacting you regarding the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. According to your records, this account is currently listed as XXXX, opened on XXXX, with a date of last activity recorded as XXXX, and last verified on XXXX. This information is incorrect, and I am requesting the immediate deletion of this account from my credit report. 
Under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain and report only accurate information. I also request that you provide me with the specific documentation used to verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 5 of 11 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  SC XXXX SSN : XXXX DOB : FXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX this account, along with evidence supporting the {$5700.00}, as I firmly dispute this amount. 
The significance of ensuring accurate reporting was notably emphasized in XXXX v. XXXXXXXX XXXX  of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ). 
In this case, the court found that failing to conduct a reasonable investigation into disputed accounts was a violation of the FCRA, resulting in damages awarded to the plaintiff. This ruling underscores your obligation to ensure the accuracy of the information reported about my account. 
Furthermore, in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court highlighted that credit reporting agencies must promptly remove information that is inaccurate or can not be verified. This case establishes a clear precedent that unverifiable information, such as the incorrect details on my report, must be corrected or deleted. 
Considering these legal precedents, I urge you to take immediate action to investigate and rectify this matter, as required by federal law. 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). 
Ive highlighted and circled additional areas of concern. 
Lets examine Date Opened ( XXXX ) showing XXXX. That's not quite right. 
What is your current level of compliance with XXXX  standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of XXXX reporting requirements or remove my information from this account immediately! 
Lets examine Creditor Type ( - ) showing XXXX XXXX with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! 
When I scrutinized High Balance ( XXXX ) presenting {$5700.00}. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards Viewing Account # ( XXXX ) demonstrating XXXX. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finances. Please fix this account immediately!

Lets examine Last Verified ( XXXX ) showing XXXX. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. 
XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Page 6 of 11 Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$4900.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX PROFIT AND LOSS WRITEOFF Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$5400.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$0.00} Payment Frequency : XXXX Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX Loan Type : - I am writing to dispute the inaccurate reporting of the accounXXXX XXXX XXXX  with number XXXX on my credit report. This account is currently reflected as CollectionOrChargeOff, with an opening date of XXXX, a date of last activity of XXXX, and was last verified on XXXX. This information is incorrect, and I am formally requesting that this account be removed immediately. 
As outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccurate information and have it corrected or deleted if it can not be verified. Therefore, I request that you provide the documentation used to verify this accounts accuracy, including proof of the {$4900.00}, as I dispute this amount.

Two legal cases further highlight the obligations of credit reporting agencies. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that failure to conduct an adequate investigation into a consumer dispute is a direct violation of the FCRA. This case underscores your responsibility to investigate and rectify any inaccuracies promptly. 
Similarly, XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reinforced that inaccurate or unverifiable information must be corrected or removed from a consumers credit report. The precedent set in these cases supports my demand for a thorough investigation into the inaccuracies on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 7 of 11 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Also, see the image above for XXXX XXXX XXXX XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
When I scrutinized Last Verified ( XXXX ) presenting XXXX I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at XXXX. There seems to be some discrepancies and I would like them resolved immediately! 
I was looking at Account Rating ( XXXX ) expressing CollectionOrChargeOff. 
There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! 
I want to bring to your attention High Balance ( XXXX ) reporting {$5400.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 
I want to bring to your attention Account Description reporting Individual The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! 
Bring to your attention Creditor Remarks ( XXXX ) reporting PROFIT AND LOSS WRITEOFF What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! 
XXXX  - XXXX TransUnion Account # : XXXX Account Rating : XXXX Account Type : XXXX Closed Date : XXXX XXXX Installment XXXX Creditor Remarks : XXXX Date Opened : XXXX XXXX TransUnion Account Description : Individual Account Status : XXXX Balance Owed : XXXX Credit Limit : XXXX Creditor Type : Date Reported : Open {$2100.00} XXXX Finance XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX XXXX {$1700.00} XXXX {$240.00} Late30Days Loan Type : - TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute Status : XXXX Last Payment XXXX XXXX XXXX Due Amount : XXXX XXXX -- - Payment Frequency : XXXX Term Length : XXXX -- - The information above has not been verified to meet reporting standards. 
The data provided is not complete, accurate, or up-to-date, and I demand that it be corrected. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ive highlighted and circled additional areas of concern. 
When I scrutinized Account # ( XXXX ) presenting XXXX. 
Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant Upon inspecting Last Verified ( XXXX ) exhibiting XXXX. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information Viewing Payment Amount ( XXXX ) demonstrating {$240.00}. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet 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 Yours Truly XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA 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

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