Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against TransUnion for multiple, ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 reporting standards involving several tradelines currently reported on my credit file. The XXXX  XXXX account ( Acct # : XXXX ) contains a factual inconsistency where the Date of Last Activity is listed as XX/XX/XXXX, but the Date of Last Payment is XX/XX/XXXX a chronological impossibility. Additionally, although the payment history shows a 30-day late in XX/XX/XXXX followed by OK marks through XX/XX/XXXX, TransUnion fails to apply the proper Metro 2 recovery status or update the account as Pays as agreed, causing unjustified ongoing damage. The Dispute resolved reported by grantor comment is applied with no supporting documentation, method of verification, or dispute code in compliance with 1681i ( a ) ( 6 ) ( B ) ( iii ). TransUnion also reports a balance of {$830.00} on an {$800.00} credit limit without reflecting the over-limit status, misleading scoring systems and violating 1681e ( b ). In the XXXX XXXX  account ( Acct # : XXXX ), TransUnion reports delinquencies of 30 days in XX/XX/XXXX and 60 days in XX/XX/XXXX, despite a confirmed payment on XX/XX/XXXX which makes the 60-day late factually impossible. The listed payment status conflicts with the payment history, and no documentation was provided following dispute resolution, again violating 1681i. In the XXXX XXXX  account XXXX Acct # : XXXX ), TransUnion shows the account as Closed and paid in full in XX/XX/XXXX, yet still reports a 30-day late payment for the same month which is both illogical and non-compliant under Metro 2. Equifax reports the same account as Open with a past-due balance, proving a furnisher-level reporting conflict. No method of verification has been disclosed. Finally, the XXXX XXXX  XXXX account ( Acct # : XXXX ) is materially incomplete and misleading. TransUnion lists it as Open with a {$0.00} balance, but omits critical Metro 2 fields credit limit, high credit, monthly payment, account type, and date of last payment. This lack of required data makes the account unverifiable, misrepresents utilization, and suppresses my score in direct violation of XXXX  ( b ). Across all accounts, TransUnion has demonstrated a pattern of inaccurate reporting, failed reinvestigation procedures, improper Metro 2 application, and failure to provide full verification as required by law. I am demanding the immediate and permanent deletion of all four tradelines XXXX  XXXX, XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX TransUnion credit report. If TransUnion can not fully validate every data field and provide documentary evidence of each entrys accuracy and legal permissibility, then deletion is required under 1681i and 1681e ( b ). I am requesting the Consumer Financial Protection Bureau take enforcement action to ensure these deletions are executed without delay.

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