Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate.By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. 
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 TransUnion TransUnion Account XXXX XXXX XXXX XXXX Account XXXX XXXX Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$31000.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX XXXX XXXX XXXX XXXX  Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$34000.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX CollectionOrChargeOff XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Payment Frequency : XXXX Term Length : XXXX -- - The account XXXX XXXX XXXX XXXX XXXX with the number XXXX is inaccurately reporting a rating of CollectionOrChargeOff on my credit report. As a consumer, I have the right to dispute any inaccurate information, and I hereby demand the immediate deletion of this account. 
Upon reviewing my credit report, I noted that the account is reported as opened on XXXX and shows a date of last activity as XXXX. These details are inaccurate and must be corrected without delay. 
Additionally, the report lists a last verified date of XXXX. As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to provide me with the specific information and methods used to verify the accuracy of this account. I also demand documented proof of the claimed balance of {$31000.00}, which I firmly dispute. 
In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), the courts emphasized the responsibility of credit reporting agencies to verify disputed information thoroughly. Similarly, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) reinforced that inaccurate or unverifiable information must be removed. Lastly, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) further establishes that consumer reports must be accurate and complete. I trust you will comply with these legal standards and promptly address this dispute. 
Also, see the image above for XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Upon inspecting High Balance ( XXXX ) exhibiting {$34000.00}. 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 adherence to applicable compliance standards for this particular account. 
Viewing Creditor Type ( - ) demonstrating Finance. 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? 
Upon inspecting Balance Owed ( XXXX ) exhibiting {$31000.00}. 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 XXXX. 
I was looking at Last Verified ( XXXX ) expressing XXXX and I am shocked to see that there are numerous reported compliance breaches! The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information. 
Please delete this account from my credit report immediately. 
Viewing Account Description demonstrating Individual. 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! 
Page XXXX of XXXX XXXX XXXX XXXX XXXX - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX AsAgreed Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$260.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX ACCOUNT CLOSED BY CONSUMER Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$38000.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$15.00} Payment Frequency : XXXX Payment Status : XXXX AsAgreed Term Length : XXXX Loan Type : XXXX I came across an error on my credit report that I need you to fix right away. It's with the account named XXXX XXXX XXXX XXXX, account number XXXX. It's showing late payments for the year XXXX, in the month of XXXX, and that's not correct.I need you to update it to never late and paid as agreed, and I also want to see the information you used to verify this account. It's essential that this gets sorted out quickly, because these late payments are impacting my ability to get financing Also, see the image above for XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Upon inspecting Payment Amount ( XXXX ) exhibiting {$15.00}. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. 
Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! 
Upon inspecting Date Reported ( - ) exhibiting XXXX. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
When I scrutinized XXXX XXXX ( XXXX ) presenting {$38000.00}. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with Metro 2 guidelines, so You must XXXX XXXX of XXXX make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile! 
Lets examine Date of Last Activity ( XXXX ) showing XXXX Compliance with XXXX XXXX XXXX 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! 
XXXX XXXX  - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$0.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX SETTLED - LESS THAN FULL BALANCE Creditor Type : -Banking Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$5800.00} 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 : XXXX I found an error with account XXXX XXXX  ( XXXX ) on my credit report. It says CollectionOrChargeOff, with dates XXXX and XXXX. This needs fixing because its hurting my credit. 
By law, 15 U.S.C. 1681i, I ask that you delete this account and show proof of the {$0.00}. 
Also, see the image above for XXXX XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I want to bring to your attention XXXX XXXX ( XXXX ) reporting XXXX. 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!? 


When I scrutinized XXXX XXXX ( XXXX ) presenting XXXX I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! 
Lets take a look at Account Description reporting Individual. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report Lets examine Dispute Status ( XXXX ) 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. 
I was looking at XXXX XXXX ( XXXX ) expressing {$0.00}. The accuracy of what youre reporting for this account is in question, and as such I demand that it be fixed immediately or else there will be legal action taken against you. 
When I scrutinized Date of Last Activity ( XXXX ) presenting XXXX. 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. 
Appreciatively I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX # XXXX, XXXX, LA 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. 
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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