Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the following accounts on my TransUnion credit report. These accounts violate Metro 2 reporting standards, are not compliant with the Fair Credit Reporting Act ( FCRA ), and have already been removed by XXXX and XXXX, further highlighting their illegitimacy. 

Accounts in Question XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX Grounds for Dispute XXXX. XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Key Issues : No knowledge of account inaccurately reporting and removed by XXXX and XXXX. 
Balance Owed : {$16000.00} ( reported as a charge-off and profit/loss write-off ).

Past Due Amount : {$10000.00}. 
Last Activity : XX/XX/XXXX, Last Payment : XX/XX/XXXX. 
Violations : This account is inaccurate and unverifiable. I have no knowledge of this account, and XXXX and XXXX removed it after my disputes. TransUnion 's failure to do the same constitutes negligence and non-compliance with 15 U.S.C. 1681e ( b ). 
Metro 2 standards require consistency and accuracy in data reporting. The inaccuracies in the date of last activity, payment amount, and charge-off status violate these standards. 
XXXX ( XXXX ) - ( XXXX ) XXXX Key Issues : No knowledge of account inaccurately reporting and removed by XXXX and XXXX. 
Balance Owed : {$790.00} with a credit limit of {$1700.00}, marked as a charge-off. 
Last Payment : XX/XX/XXXX, Last Activity : XX/XX/XXXX. 
Violations : This account has been inaccurately classified as a charge-off without supporting documentation or verification. 
Failure to verify data as required under 15 U.S.C. 1681i.

Non-compliance with Metro 2 standards, particularly in reporting the past due amount and high balance. 
Legal Precedents Supporting My XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit reporting agencies must correct inaccurate information upon notification. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) : Agencies must conduct reasonable investigations into disputed information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Unverifiable information must be removed from credit reports. 
Actions Demanded XXXX XXXX ( XXXX ) - ( XXXX ) XXXX -Immediately delete the account due to lack of verification and compliance. 
Provide documentation or evidence used to validate this account, including signed agreements or payment history. 
XXXX ( XXXX ) - ( XXXX ) XXXX -Remove the account due to inaccuracies and failure to adhere to Metro 2 standards. 
Supply supporting documentation substantiating the claimed balance and charge-off status. 
Provide a written confirmation of the actions taken and an updated credit report reflecting the removal of these accounts. 

Remedy Timeline Under 15 U.S.C. 1681i, you are required to investigate my dispute within 30 days. Failure to comply will result in a formal complaint filed with the CFPB and further legal action under 15 U.S.C. 1681n for willful non-compliance. 

Conclusion This matter requires your immediate attention. As a consumer, I am entitled to accurate and verifiable reporting, and I will take all necessary steps to ensure my rights are upheld. Please address this dispute with the urgency it requires and confirm your compliance in writing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : [ Last 4 Digits : XXXX ] DOB : XX/XX/XXXXXXXX  Enclosures : Copies of disputed credit report entries, legal references, and supporting documentation

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