Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion Dispute Letter DEMAND FOR IMMEDIATE DELETION AND FORMAL CONSUMER DISPUTE & REINVESTIGATION REQUEST NON-COMPLIANCE NOTICE TO : TRANSUNION ( TU ) Pursuant to the Fair Credit Reporting Act ( FCRA ) Date : XX/XX/XXXX Consumer Identification Field Detail Consumer Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX Recipient ( Mailing Address ) TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA XXXX I. Controlling Law ( applies to all items ) Your obligations as a Consumer Reporting Agency ( CRA ) are non-delegable and mandatory.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) TransUnion must assure maximum possible accuracy and possess objective evidence of the information 's correctness.

FCRA 611 ( a ) A reasonable reinvestigation is required and must not simply " parrot '' a furnisher 's response ( XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). The reinvestigation must be meaningful and objective ( XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 
FCRA 611 ( a ) ( 5 ) If information is inaccurate, incomplete, or unverifiable through original-source documents, you MUST DELETE the disputed item immediately.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) You are mandated to disclose the Method of Verification ( MoV ), including the precise procedures and specific underlying records relied upon.

FCRA 623 ( a ) ( 5 ) Furnishers must report the correct Date of First Delinquency ( DOFD ) for calculating the mandatory reporting period under FCRA 605 ( a ) & 605 ( c ). 
Sepulvado v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : XXXX based on conflicting or unreliable data is insufficient ; the CRA must have objective evidence to support the reported information.

Metro 2 Data Fields : The accuracy of these fields is central to FCRA compliance : Field 25 ( DOFD ), Field 17 ( Account Status ), Fields 7173 ( Payment History Profile ), Field 11 ( Payment Rating ), Field 26 ( Past Due Amount ), Portfolio Type, and Date of Account Information.


II. Disputed Items ( TransUnion ) & DEMAND FOR DELETION The burden of verification rests entirely upon TransUnion. Verification must be based on original source documents and a complete Metro 2 record. Absent this, you MUST DELETE the items as unverifiable. ITEM I NATLCRSYS ( Original Creditor : XXXX XXXX XXXX  ) Violations Misclassification / Missing DOFD / Data Integrity : This item is erroneously displayed as an Open account when the nature of the debt is a collection. This misclassification violates FCRA 607 ( b ) and 623 standards, as collections must be furnished with Portfolio Type = C and a valid Account Status ( Field 17 ). Critically, the DOFD ( Field 25 ) is missing, preventing validation of the 605 obsolescence period.

DEMAND : DELETE this tradeline in its entirety under 611 ( a ) ( 5 ) if the furnisher can not provide contemporaneous original source documents establishing the amount, date, my agreement to pay, and the complete Metro 2 certification including : Portfolio Type C, Field 17 ( Account Status ), and Field 25 ( DOFD ).

Provide the MoV ( 611 ( a ) ( 6 ) ( B ) ( iii ) ) detailing the exact name of the individual who conducted the review, the precise procedures used, and copies of all underlying documents and Metro 2 segments relied upon. 
ITEM XXXX Synerprise Consulting ( XXXX XXXX XXXX XXXX Violations Misclassification / Missing DOFD / Impermissible Data : This is a third-party collection, yet it is reported as an Open account. The XXXX XXXX XXXX is not evidenced, which is a per se violation of 623 ( a ) ( 5 ). Furthermore, a third-party collection MUST NOT report a revolving/installment Payment History Profile ( Fields 7173 ) or a separate Past Due bucket ( Field 26 ). The reporting of an unsubstantiated debt with a flawed format constitutes willful noncompliance.

DEMAND : IMMEDIATE DELETION under 611 ( a ) ( 5 ). The account is unverifiable if the furnisher can not substantiate my agreement to pay this specific amount, the original contract, and a corrected collection Metro 2 segment including XXXX XXXX XXXX and a documented Field 25 XXXX. 
Produce the complete e-OSCAR/ACDV/AUD logs covering this dispute and ALL prior updates, including message IDs, reason codes, and timestamps. 
ITEM XXXX XXXX XXXXXXXX ( Closed Charge-Off ) Violations Past-Due Misuse / Cross-Bureau Conflicts/ Missing DOFD : The reporting of Past Due XXXX {$0.00} on a closed/charged-off account is a direct violation of Metro 2 standards, where Field 26 ( Past Due ) must be {$0.00} after charge-off.

Significant balance and date inconsistencies ( balance figures and DLP/DLA ) exist across bureaus, violating your duty of maximum possible accuracy under 607 ( b ). 
The XXXX ( Field 25 ) is not disclosed, which is a non-negotiable requirement for consumer validation of the 605 reporting period.

DEMAND : IMMEDIATE DELETION under 611 ( a ) ( 5 ) due to unresolvable accuracy issues and missing DOFD.

Alternatively, provide a MoV with : the original account ledger showing the transaction history up to charge-off ; the corrected {$0.00} Past Due status ; and the documented Field 25 XXXX that matches all bureaus, or face liability for negligent/willful noncompliance. 

XXXX. REQUIRED DISCLOSURES WITH YOUR RESULTS For any item you decide to retain, you must provide the following objective evidence and documentation. A generic " verified by furnisher '' response is insufficient and constitutes willful non-compliance per XXXX. 
Method of XXXX ( XXXX ( a ) ( XXXX ) ( B ) ( iii ) ) : The name/title of the verifying party, the precise procedure used ( not XXXX ), and copies of the specific underlying source documents from the furnisher that you reviewed and relied upon for your conclusion. 
Exact XXXX XXXX Data : Copies of the complete electronic file segment ( raw data ) on file with TransUnion and relied upon, specifically including : Fields 25, 17, 11, 26, 7173 ( if used ), Portfolio Type, Date of Account Information, and all Special Comment codes. 
XXXX XXXX XXXX : The entire e-XXXX XXXX XXXX ( message IDs, reason codes, timestamps ) for my disputes and all prior updates/changes since the tradeline 's inception. 
Furnisher Itemization : Documentary itemization from the original creditor ( OC ) or furnisher sufficient to establish the debt 's identity, amount, and aging ( e.g., XXXX XXXX, or for medical, claim number ( s ) and Date of Service no diagnosis/procedure data ). 
Reinsertion Safeguards : If any item is deleted, you must secure the certification required by 611 ( a ) ( 5 ) ( B ) and provide written notice before any reinsertion attempt.

IV. TIMING, PRESERVATION, AND REMEDIES This is my formal written dispute under FCRA 611 ( a ). You have 30 days from the date of receipt to complete a reasonable reinvestigation and mail your complete results and MoV to the address above. 
LITIGATION HOLD NOTICE : You are hereby notified to preserve all records related to these disputes, including all furnisher communications, Metro 2 file segments, internal investigation notes, e-OSCAR logs, and MoV disclosures. This preservation requirement is mandatory in anticipation of litigation.

Failure to fully comply with your duties under the FCRA will result in the immediate filing of a CFPB complaint and an evaluation of claims for willful and/or negligent noncompliance under FCRA 616 and 617, which creates liability for actual damages, statutory damages, punitive damages, attorney 's fees, and costs. 
Sincerely, XXXX XXXX XXXX Enclosures : Government ID ; proof of current address ; highlighted report pages ; any supporting itemization.

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