Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
# FCRA VIOLATION NOTICE - DEMAND FOR IMMEDIATE REMOVAL AND DAMAGES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX*RE : DEMAND FOR IMMEDIATE REMOVAL OF ALL TRADELINES WITH XXXX XXXX VIOLATIONS** **Consumer : XXXX XXXX **Social Security Number : XXXX **Date of Birth : XXXX XXXXTransUnion File Number : XXXX # XXXX NOTICE OF INTENT TO FILE FEDERAL LAWSUIT To Whom It May Concern : This communication serves as formal notice of multiple severe and willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Format requirements as established by the Credit Reporting Resource Guide ( CRRG ), and other federal consumer protection laws. These violations render the disputed information fundamentally invalid and non-compliant with industry standards, requiring IMMEDIATE AND COMPLETE REMOVAL from my credit file. 

Unlike a standard dispute, this is a DEMAND FOR REMOVAL based on systematic technical reporting violations that can not be " reinvestigated '' or " verified '' as they constitute fundamental failures to comply with mandatory technical standards. As established in *Norman XXXX TransUnion XXXX LLC*, 669 F. Supp. 3d 351 ( E.D. Pa. 2023 ), TransUnion 's obligation to conduct a reasonable reinvestigation extends beyond merely verifying the existence of reported information and includes ensuring compliance with technical reporting requirements. 

# # FATAL XXXX XXXX FORMAT VIOLATIONS REQUIRING REMOVAL My TransUnion credit report ( XX/XX/XXXX, File # XXXX ) contains the following accounts with XXXX XXXX XXXX Format violations rendering them technically invalid : # # # XXXX. FOUNDATIONAL STATUS CODE VIOLATIONS ( CRRG Chapter 5.1 ) | Account Information | XXXX XXXX XXXX Violation | Technical Requirement | | -- -| -- -| -- -| | XXXX XXXX XXXX XXXX XXXX | Reporting " Paid, Closed '' status in narrative while maintaining adverse status code in payment grid | Metro XXXX format XXXX internal consistency between narrative and payment history grid | | XXXX XXXX XXXX XXXX XXXX | Using contradictory status codes in same reporting period ( status values " OK '' alongside delinquency values ) | XXXX XXXX field validation requirements prohibit contradictory code usage | | XXXX XXXX BANK # XXXX | Reporting " XXXX  Days Past Due '' while simultaneously reporting " Paid Monthly '' | Mutually exclusive code usage violates XXXX field dependency tables | | XXXX XXXX  | Reporting " Closed '' account with active delinquencies | Chronologically impossible reporting scenario | | XXXX XXXX XXXX | Charge-off status with continued reporting of increasingly severe delinquencies | Sequential progression error in XXXX XXXX codes | # # # XXXX. CHRONOLOGICALLY IMPOSSIBLE REPORTING ( CRRG Chapter 5.8 ) | Account Information | Chronological Impossibility | Technical Violation | | -- -| -- -| -- -| | XXXX XXXX | Payment activity reported AFTER Date Closed ( XX/XX/XXXX ) | Violation of account timeline sequencing requirements | | XXXX XXXX  | Delinquency of 30 days reported in XX/XX/XXXX and XX/XX/XXXX after closure on XX/XX/XXXX | Transaction date field requirements violation | | XXXX XXXX | Maximum Delinquency of XXXX  days in XX/XX/XXXX and XX/XX/XXXX with different status codes | Contradictory historical status sequence | | XXXX  | Collection activity after account marked disputed | Failure to follow dispute processing sequence | # # # XXXX. XXXX XXXX COMMENT CODE VIOLATIONS ( CRRG Chapter 6.8 ) All tradelines use non-standard plain text remarks such as " CLOSED, '' " PAID IN FULL/WAS A CHARGE OFF, '' " ACCOUNT CLOSED BY CONSUMER ; CLOSED '' rather than required standardized XXXX XXXX Special Comment Codes. This constitutes a fundamental failure to comply with XXXX XXXX Format. 

# # # 4. CONSUMER INFORMATION INDICATOR VIOLATIONS ( CRRG Chapter 5.15 ) XXXX  shows " ACCT INFO DISPUTED BY CONSUMR '' without proper corresponding CII Codes XB or XC, rendering the technical dispute handling invalid. 

# # ADDITIONAL REGULATORY VIOLATIONS These accounts also contain fatal violations of : 1. **ECOA ( 15 U.S.C. 1691 et seq. ) ** Missing required ECOA code designations, improper account status reporting without adverse action documentation, and discriminatory handling of account tradelines. 

2. **TILA ( 15 U.S.C. 1601 et seq. ) ** Failure to properly disclose payment allocations, finance charges, and payment application sequence. 

3. **FCRA ( 15 U.S.C. 1681 et seq. ) ** Systematic failure to maintain maximum possible accuracy ( 1681e ( b ) ) and failure to properly process disputes ( 1681i ). 

4. **CIDA** Failures in data integrity standards, accuracy maintenance, and proper information handling. 

# # DEMAND FOR DAMAGES As established in XXXX XXXX TransUnion XXXX XXXX, consumers who dispute information on their credit reports have standing to recover damages when TransUnion fails to conduct proper investigations. The same principle applies to systematic XXXX XXXX format violations.

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