Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards to immediately remove and traffic block the following factually inaccurate, unauthorized, and legally non-compliant entries on my TransUnion consumer credit file. The failure to uphold your legal duties has caused financial harm, emotional distress, and reputational injury, which I intend to rectify through all appropriate legal channels if not addressed within 15 calendar days. 

SECTION I INACCURATE NEGATIVE ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Limit : {$250.00} ( secured card ) Reported High Balance : {$430.00} impossible on a {$250.00} secured line Past Due Amount : {$180.00} on a closed, charged-off account No 1099-C issued, no payment since 2021 Violations : Metro 2 : Conflicting high balance and charge-off coding on a closed secured account FCRA 609 ( a ) ( 1 ) : No supporting charge-off documentation FCRA 623 ( a ) : Knowingly reporting unverifiable, mathematically impossible data 2. XXXX XXXX Collection Account Linked Address : XXXX XXXX XXXX Ive never lived there Open/Activity Dates : Conflicting across bureaus Reported Status : Open on XXXX Closed on others Balance : {$7200.00} with zero payment activity Tradeline classification varies per bureau Violations : FCRA 605B : Identity theft component address not linked to me Metro 2 : Discrepant open/closed statuses and activity dates FCRA 1681e ( b ) : Failure to ensure accuracy and proper identity linkage 3. XXXX XXXX Inquiries Without Permissible Purpose Inquiry on XX/XX/XXXX No active account or application on record No permissible purpose established Violations : FCRA 604 ( a ) ( 3 ) : No authorization or legitimate credit transaction FCRA 609 ( a ) : Failure to disclose inquiry basis FCRA 616/617 : Willful/negligent access with no consumer consent 4. XXXX XXXX Multiple Accounts ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Conflicting dates reported ( open, payment, closed ) Missing documentation ( wet-signed contracts, payoff statements, internal records ) No bureau update showing dispute status across all tradelines Violations : FCRA 623 ( a ) ( 1 ) : Reporting unverifiable, internally inconsistent information FCRA 611 ( a ) : Failure to conduct full reinvestigation Metro 2 : Dispute flag missing ; aging and status codes conflict with payment history SECTION II UNAUTHORIZED HARD INQUIRIES ( NO PERMISSIBLE PURPOSE ) The following 10+ hard inquiries were reported on my TransUnion file, yet I have no associated applications, approvals, or open tradelines with these entities : Company Date Bureau 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 XXXX XXXX XXXXXX/XX/XXXX None of these inquiries resulted in a loan or credit approval. I did not authorize these parties to access my consumer file. They have materially damaged my score.

Violations : FCRA 604 ( a ) Lack of permissible purpose for access FCRA 609 ( a ) ( 1 ) Failure to provide documentation upon request FCRA 616 & 617 Willful and negligent access causing harm Metro 2 : Lack of matching tradelines tied to inquiry originators

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