Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
# LEGAL DEMAND FOR IMMEDIATE REMOVAL - MULTIPLE REGULATORY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXTransUnion Consumer Solutions** ** XXXX XXXX XXXX XXXX, PA XXXX XXXX : LEGAL DEPARTMENT AND COMPLIANCE OFFICER** **RE : LEGAL DEMAND FOR IMMEDIATE REMOVAL OF ALL TRADELINES WITH METRO 2 VIOLATIONS*XXXX **Consumer : XXXX XXXX XXXXSocial Security Number : XXXX **Date of Birth : XXXXXXXX  XXXX*TransUnion File Number : XXXX # # NOTICE OF INTENT TO FILE FEDERAL LAWSUIT FOR WILLFUL FCRA VIOLATIONS To Whom It May Concern : This communication constitutes a formal legal demand for the immediate removal of ALL tradelines from my credit report containing Metro 2 Format violations and other regulatory non-compliance issues. As established in XXXX XXXXXXXX Trans Union , LLC* XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ), TransUnion has an affirmative obligation to conduct proper investigations of disputed items and can not summarily reject disputes through form letters or automated systems. 

The court in XXXX explicitly rejected TransUnion 's `` artificially narrow view of its obligations '' under the FCRA and ruled that items on a consumer 's credit report can be deemed " inaccurate '' if they are either " patently incorrect '' or " misleading in such a way and to such an extent that it can be expected to adversely affect credit decisions. '' Based on this established legal precedent, I hereby demand the removal of ALL accounts cited below due to FATAL technical violations that render them fundamentally invalid under Metro 2 Format requirements. These violations can not be " verified '' or " corrected '' as they represent systemic failures to comply with mandatory technical reporting standards. 

# # COMPREHENSIVE REGULATORY VIOLATIONS The following accounts contain fatal technical violations across multiple regulatory frameworks, making them impossible to maintain in compliance with federal law : # # # XXXX. XXXX XXXX XXXX FORMAT VIOLATIONS ( XXXX ) | Account | Technical Violation | CRRG Reference | | -- -| -- -| -- -| | XXXX XXXX XXXX XXXX  | Use of non-standard " N/R '' code not valid in Metro 2 | CRRG Ch . 6.2 ( Payment History Profile ) | XXXX XXXX XXXX XXXX XXXX XXXX  Closed XX/XX/XXXX but reporting in XXXX ( exceeds retention limit ) | CRRG Ch. 5.3 ( Timelines ) & FCRA 605 | | CURRENT | Mathematically impossible balance progressions | CRRG Ch. 5.5 ( Balance Field Validation ) | | XXXX XXXX | Reports " High balance of {$0.00} '' ( logical impossibility ) | XXXX XXXX. XXXX ( Field Validation ) | | XXXXXXXX XXXX XXXX XXXX | " Closed '' status with " Paid Monthly '' term codes ( mutually exclusive ) | CRRG Ch. 5.1 ( Account Status ) | | XXXX XXXX | {$150.00} XXXX XXXX with {$0.00} High Balance ( contradictory ) | CRRG Ch. 5.5 ( Credit Limit/High Balance ) | | ALL ACCOUNTS | Missing required ECOA code designations | CRRG Ch. 5.7 ( ECOA Code ) | | ALL ACCOUNTS | Plain text remarks instead of standard Special Comment Codes | CRRG Ch. 6.8 ( Special Comment ) | # # # XXXX XXXX REGULATORY VIOLATIONS These accounts also contain fatal violations across multiple interlocking regulatory frameworks : XXXX XXXX XXXX # TILA VIOLATIONS ( 15 U.S.C. 1601 et seq. ) - CURRENT : Shows payments ( {$110.00}, {$340.00}, {$170.00} ) without corresponding balance reductions, violating basic TILA payment application principles- XXXX & XXXX XXXX : Complete absence of Regulation Z-required finance charge allocations- Multiple accounts : Improper interest calculations evident from payment progression patterns XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1691 et seq. ) - Universal suppression of required ECOA designations across all accounts - Disparate treatment between similar account types ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Missing adverse action documentation for closed accounts XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS ( 15 U.S.C. 6801 et seq. ) - Undisclosed affiliate relationships ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Evidence of cross-institution information sharing without required privacy notices- Missing opt-out documentation for affiliate marketing # # LEGAL PRECEDENT ESTABLISHING TRANSUNION 'S LIABILITY In XXXX XXXX Trans Union, LLC* , XXXXhe court established that : 1. TransUnion must conduct meaningful investigations when consumers dispute information XXXX. The FCRA requires more than mere verification of the existence of account information 3. A dispute triggers TransUnion 's legal duty to investigate under 15 U.S.C. 1681i 4. Consumers who suffer wasted time and expense due to TransUnion 's failure to properly investigate have standing to recover damages The fundamental Metro 2 violations detailed above constitute fatal technical defects that render this information impossible to " verify '' as accurate under the standard established in XXXX This case resulted in a {$23.00} million settlement for consumers who faced similar reinvestigation failures. 

# # DEMAND FOR DAMAGES AND IMMEDIATE ACTION I hereby demand that TransUnion : 1. **IMMEDIATELY REMOVE ALL ACCOUNTS** listed above from my credit report due to fatal and uncorrectable technical violations 2. **PAY STATUTORY DAMAGES** of {$1000.00} per willful violation ( 15 U.S.C. 1681n ), totaling {$8000.00} for the eight accounts with fatal violations 3. **PROVIDE WRITTEN CONFIRMATION** of removal within 15 days of receipt of this demand # # NOTICE OF INTENT TO PROCEED WITH LITIGATION If all accounts with these violations are not completely removed within 15 days, I will : 1. File a federal lawsuit seeking maximum statutory damages, punitive damages, and attorney fees 2. Pursue class certification for systematic Metro 2 compliance failures, similar to the class certified in XXXX XXXX Trans Union* 3. File regulatory complaints with the CFPB, FTC, and state authorities # # REQUEST FOR TECHNICAL COMPLIANCE DOCUMENTATION I demand that TransUnion provide me with : XXXX. Complete documentation of your Metro 2 Format validation procedures 2. Evidence of any technical compliance checks performed on my file 3. Certification that the information in my file meets all CRRG technical requirements # # CONCLUSION The violations detailed above represent fundamental technical failures that can not be resolved through standard reinvestigation procedures. As established in XXXX XXXX Trans Union* , TransUnion has an affirmative obligation to ensure technical compliance with reporting standards. 

Your failure to immediately remove these technically invalid tradelines will be presented to the court as evidence of continued willful noncompliance despite explicit notice of these violations. 

I await your written confirmation of complete removal of all accounts with technical violations within 15 days. 

Sincerely, XXXX XXXX **Enclosures : ** - Complete TransUnion Credit Report ( XX/XX/XXXX ) with Metro 2 violations highlighted - Documentation of credit denials and increased costs **CC : ** - Consumer Financial Protection Bureau XXXX Federal Trade Commission XXXX Louisiana Office of Financial Institutions

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