Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : URGENT DEMAND FOR DELETION - CRITICAL PAYMENT HISTORY MANIPULATION VIOLATIONS Account : XXXX Report Date : XX/XX/XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : This correspondence serves as my formal dispute and DEMAND FOR IMMEDIATE DELETION of the above-referenced XXXX account from my TransUnion credit report based on egregious payment history manipulation that violates multiple Metro 2 Format standards, the Credit Reporting Resource Guide ( CRRG ) , and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I have documented the following critical Metro 2 violations : 1. PAYMENT HISTORY PROFILE MANIPULATION : My credit monitoring alert shows my payment history has been improperly altered from precise delinquency statuses ( 60 Days Late, 90 Days Late, 120 Days Late, Payment after Charge-Off ) to " Unknown '' status for multiple months. This retroactive manipulation constitutes a material violation of Metro 2 Format requirements that mandate accurate chronological reporting of payment patterns. 

2. INVALID STATUS CODE IMPLEMENTATION : The Metro 2 Format and CRRG do not recognize " Unknown '' as a valid payment status designation. The CRRG explicitly requires specific Base Segment status codes to accurately reflect payment history. The arbitrary conversion to " Unknown '' status represents an impermissible deviation from required Metro 2 coding standards.

3. DATE OF FIRST DELINQUENCY ( DOFD ) OBSCUREMENT : The documented manipulation appears designed to obscure the Date of First Delinquency, a critical field required for proper Metro 2 reporting and accurate aging of negative information under FCRA requirements. This manipulation effectively destroys the audit trail of payment performance.

4. PAYMENT RATING FIELD INTEGRITY VIOLATION : According to CRRG standards, the Payment Rating field must maintain logical consistency with Account Status and Payment History Profile. Converting precise delinquency codes to " Unknown '' creates an irreconcilable data integrity conflict within the required Metro 2 field matrix.

5. CHRONOLOGICAL SEQUENCE DISRUPTION : The Metro 2 Format requires that Payment History Profile maintain consistent chronological integrity. The abrupt change from precise delinquency reporting to " Unknown '' status violates this requirement, creating an impossible historical narrative that fails to meet Metro 2 Format validation requirements.

This retroactive manipulation of payment history represents an extraordinary violation of both technical reporting standards and fundamental data integrity requirements. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy. '' This documented manipulation demonstrates willful non-compliance with this core requirement.

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