Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint to report ongoing, willful, and unethical violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 credit reporting standards, and Florida consumer protection laws by XXXXXXXX XXXX XXXX and the three major credit bureaus ( XXXX XXXX, and TransUnion ). These violations are directly tied to the account : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Credit Account ending in XXXX Despite multiple disputes, a formal deletion demand, and a pending legal action ( Florida Case XXXX XXXX XXXX XXXX XXXX continues to furnish materially inaccurate, outdated, and misleading information to the credit bureaus. The bureaus, in turn, have refused to correct or suppress the data, despite being provided with detailed documentation of the violations.

III. Metro 2 and FCRA Violations by XXXXXXXX XXXX XXXX Metro 2 Violations ( XXXX XXXX ) No Dispute Code ( Code XB ) No Account in Dispute flag present on any bureau report Violates Metro 2 requirement to reflect dispute status when a consumer challenges accuracy Overlimit Reporting Without Suppression Account reports 100 % + utilization with no suppression flag Artificially inflates debt-to-limit ratio and suppresses credit score Stale Status Updates Last status update was XX/XX/XXXX Violates Metro 2 requirement for monthly updates Missing First Delinquency Date ( FDD ) No FDD reported, preventing accurate aging and suppression of obsolete data Charge-Off Reporting Without Validation Despite multiple disputes and a formal deletion demand in XX/XX/XXXX, TD Bank continues to report the account as a charge-off without providing any validation or reinvestigation results B. FCRA Violations 1681s-2 ( a ) ( 3 ) : Failure to mark account as disputed 1681s-2 ( b ) : Continued furnishing of inaccurate data after notice 1681i ( a ) ( 1 ) : Failure to conduct reasonable reinvestigation 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy 1681n : Willful noncompliance with FCRA obligations IV. Credit Bureau Complicity Despite being notified of these violations through : Multiple disputes filed by me and my legal representative A formal deletion demand submitted in XXXX XXXX  A prior CFPB complaint filed in XX/XX/XXXX the credit bureaus have refused to correct, suppress, or delete the inaccurate tradeline. They continue to publish derogatory data that they knowor should knowis inaccurate and noncompliant with Metro 2 and FCRA standards.

V. Ongoing Harm Credit Score Suppression : Each time XXXX XXXX modifies the account historically ( e.g., re-aging or status updates ), my credit score drops by XXXX points, despite no new activity or delinquency. 

Duration of Harm : XX/XX/XXXX Present ( 20+ months ) Impact : Denial of credit Increased interest rates Emotional distress and reputational harm Ongoing litigation costs in CASE XXXX XXXXXXXX

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