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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TO WHOM IT MAY CONCERN, THIS DOCUMENT AND ALL ENCLOSED MATERIALS HAVE BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). 
I am disputing inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This is a formal demand for a legally compliant investigation and a written response. 
Your institutions have a documented pattern of failing to properly investigate consumer disputes : XXXX  ( XXXX ) Fined {$15.00} XXXX by the CFPB for failing to conduct proper dispute investigations. 
XXXX ( XXXX ) Sued for dismissing disputes without actual verification, leaving consumers with ongoing errors. 
TransUnion ( XXXX ) Lost {$60.00} XXXX in a jury verdict for falsely labeling consumers as security threats. 
To ensure compliance, I require a written response sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC, XXXX THIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). I expect full adherence to federal law. 
Sincerely, XXXX XXXX XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX, SC XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : The Fair Credit Reporting Act gives me the right to dispute any information on my credit report that I believe is inaccurate. This law requires that all data be documented and validated before it is used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! 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 be serious consequences, so I'm giving 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 TransUnion Account # : XXXX XXXX Account TransUnion Description : Individual Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Account Status : CollectionOrChargeOff Open- ACCOUNT INFORMATION DISPUTED BY CONSUMER XXXX Balance Owed : XXXX Credit Limit : XXXX Creditor Type : Open $ XXXX CollectionServices Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX XXXX : XX/XX/XXXX Date Opened : XXXX Date of Last Activity : XXXX XXXX XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX {$1400.00} XXXX {$1400.00} CollectionOrChargeOff Loan Type : - TransUnion XXXX XXXX XXXX XXXX, PA XXXX Date Reported : Dispute Status : XXXX Last XXXX : XXXX Past Due Amount : XXXX XXXX Y -- - Payment Frequency : XXXX Term Length : XXXX -- - I saw that the account XXXX XXXX with the number XXXX is showing an incorrect rating of CollectionOrChargeOff on my credit report. You said it was opened on XXXX with a date of last activity on XXXX. That just doesnt make sense! I need this fixed and taken off my report now. 
I noticed the last time you verified this was XXXX. According to 15 U.S.C. 1681, I have the right to know how you verified this information. 
Please send me that proof. And while youre at it, I need you to show me why you think I owe {$1400.00} because I dont owe anything! 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court made sure wrong info was removed. Please follow the rules and fix this. 
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). 
Ive highlighted and circled additional areas of concern. 
When I scrutinized Creditor Remarks ( XXXX ) presenting ACCOUNT INFORMATION DISPUTED BY CONSUMER This account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! 
I was looking at Account # ( XXXX ) expressing XXXX The information on 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 me wrong, so that my account can be 100 % accurate! 
Upon inspecting Date Opened ( XXXX ) exhibiting XXXX. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on XXXX XXXX of XXXX those wrong assumptions. 
Lets take a look at Date of Last Activity ( XXXX ) reporting XXXX. 
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. 
When I scrutinized Account Rating ( XXXX ) presenting CollectionOrChargeOff. 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 make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile! 
XXXX XXXX - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX AsAgreed Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$160.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX Creditor Type : -Advertising Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$240.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$10.00} Payment Frequency : XXXX Payment Status : XXXX AsAgreed Term Length : XXXX Loan Type : XXXX ct XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 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 The information provided above has not been certified to meet reporting standards and should be considered suspect. Any wrong, incomplete, or unsupported material should be deleted immediately. 
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Account Rating ( XXXX ) expressing AsAgreed. 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. 
I was looking at Payment Status ( XXXX ) expressing AsAgreed 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 Date Opened ( 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 Date Reported ( - ) 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. 
Lets examine Dispute Status ( XXXX ) showing N The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? 
Upon inspecting Date of Last Activity ( XXXX ) exhibiting XXXX. 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! 
XXXX XXXX XXXX XXXX  XXXX XXXX TransUnion Account # : XXXX XXXX Account TransUnion Description : Individual Page XXXX of XXXX 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 DISPUTE RESOLVED REPORTED BY XXXX Creditor Type : -Banking Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$540.00} 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 : CreditCard Im reaching out because this account XXXX XXXX XXXX XXXX with number XXXX is showing up wrong on my credit report as CollectionOrChargeOff, and its really holding me back. You said it was opened on XXXX and had a date of last activity of XXXX, but I know thats not right. 
This incorrect info is seriously affecting my ability to reach my financial goals. Please remove this account completely and send me proof that I actually owe the {$0.00}, because Im certain I dont owe it. 
Thanks for handling this! 
Also, see the image above for XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Upon inspecting Date of Last Activity ( XXXX ) 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 Account Status ( XXXX ) presenting Closed I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at XXXX. There seems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of XXXX to be some discrepancies and I would like them resolved immediately! 
I was looking at Creditor Type ( - ) XXXX XXXX It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done. 
Lets examine Account # ( XXXX ) showing XXXX 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! 
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 DISPUTE RESOLVED SUBSCRIBER DISAGREES Creditor Type : XXXX XXXX Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$1400.00} 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 : - Im writing about the incorrect account XXXX ( XXXX ) on my credit report, listed as CollectionOrChargeOff with dates XXXX and XXXX. This error hurts my ability to get financing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of XXXX As per XXXX U.S.C. XXXX, you must verify this information. Cases like XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), XXXX XXXX Trans Union XXXX XXXX. 
XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) highlight the need for accuracy. Please delete this account and send proof of the {$0.00}. 
Also, see the image above for XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Viewing Creditor Remarks ( XXXX ) demonstrating DISPUTE RESOLVED SUBSCRIBER DISAGREES. There are some aspects of this account that I am having trouble understanding because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? 
Viewing Balance Owed ( XXXX ) demonstrating {$0.00} The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. 
Bring to your attention Last Verified ( XXXX ) reporting XXXX 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! 
Viewing Credit Limit ( XXXX ) demonstrating XXXX. 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? 
XXXX XXXX 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 DISPUTE RESOLVED SUBSCRIBER DISAGREES Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX XXXX : XX/XX/XXXX High Balance : XXXX Last Verified : XXXX {$2200.00} XXXX Payment Amount : XXXX Payment Status : XXXX {$0.00} CollectionOrChargeOff Loan Type : CreditCard TransUnion XXXX XXXX XXXX XXXX, PA XXXX Last Payment : XXXX Past Due Amount : XXXX Payment Frequency : XXXX Term Length : XXXX -- -- -- - The account XXXXXXXX XXXX XXXX XXXX with number XXXX is wrong on my credit report, showing a rating of CollectionOrChargeOff. It has incorrect dates ( XXXX and XXXX ). This is blocking my financing. 
As stated in 15 U.S.C. 1681e ( b ), I demand the account be deleted. Please send proof of the {$0.00}. 
Also, see the image above for XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Date Opened ( XXXX ) expressing XXXX The data on 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 to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements When I scrutinized Payment Status ( XXXX ) presenting CollectionOrChargeOff 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! 
Viewing Balance Owed ( XXXX ) demonstrating {$0.00}. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! 
I want to bring to your attention Account Description reporting Individual 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 was looking at Date of Last Activity ( XXXX ) expressing XXXX. The accuracy of what youre reporting for this account is in question, and 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 as such I demand that it be fixed immediately or else there will be legal action taken against you. 
Upon inspecting High Balance ( XXXX ) exhibiting {$2200.00}. 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 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. 
Respectfully XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC 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. 
XXXX XXXX of XXXX

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