Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
XX/XX/XXXX Reporting on Account XXXX XXXX XXXX XXXX XXXX XXXX  Demand for Permanent Deletion and XXXX Dear TransUnion, XXXX XXXX XXXX  Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am submitting this formal dispute regarding inaccurate, unverifiable, and misleading information reported on my credit file for the account listed below. This letter is structured in the Automated Credit Dispute Verification ( ACDV ) format, as required under the e-OSCAR system, and demands a thorough investigation, correction, or permanent deletion of the disputed items. I also request compensation for damages caused by these inaccuracies, as permitted under 15 U.S.C. 1681n and 1681o. 
Account Information * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Installment ( Unsecured Loan ) * Account Status : Transferred * Date Opened : XX/XX/XXXXXXXX XXXX XXXX/TransUnion ) / XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} * Payment Status : * TransUnion : Late 60 Days XXXX XXXX XXXX  Late 30 Days XXXX XXXX XXXX XXXXXXXX 60 Days * Last Reported : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( TransUnion/Equifax ) XXXX Comments XXXX Transferred to another lender or claim purchased; Sold to : XXXX * Date of Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX TransUnion/Experian ) * Date XXXX Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX/ XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Equifax ) Dispute Details and Violations The information reported on this account contains multiple inaccuracies and violates several provisions of the FCRA, FDCPA, Metro 2 , and OCRA standards . Below, I outline each issue and the applicable laws : 1. Inaccurate Payment Status Reporting * Issue : The account is reported as Late 60 Days ( XXXX ) and Late 30 Days ( XXXX  ), despite the account being transferred with a {$0.00} balance. This is inconsistent and misleading, as a transferred account with no balance should not reflect delinquency. 
* Violation : * FCRA 1681e ( b ) : Credit reporting agencies ( CRAs ) must maintain reasonable procedures to assure maximum possible accuracy. Inaccurate delinquency reporting violates this provision.

* FCRA 1681s-2 ( b ) : Furnishers are required to conduct a reasonable investigation and correct or delete unverified information. The conflicting delinquency statuses indicate a failure to verify.

* Metro 2 Compliance : The Account Status Code ( e.g., 97 for Transferred ) and Payment Rating are inconsistent with Metro 2 guidelines, which require accurate status reporting for transferred accounts. 
* XXXX XXXX : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), establishes that CRAs must correct inaccurate information upon dispute or face liability for failing to follow reasonable procedures. 
* Demand : Delete the delinquency status and update the account to reflect Transferred, Paid as Agreed ( Metro 2 Code 05 ).

2. Inconsistent Dates Across Bureaus * Issue : The Date Opened is reported as XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) XXXX The Date of Last Payment and Date of Last Active also vary across bureaus, creating confusion and inaccuracy. 
* Violation : * FCRA 1681c : Incorrect dates, such as the Date of First Delinquency ( DOFD ) or other key dates, violate the FCRAs requirement for accurate reporting. 
* XXXX XXXX Compliance : XXXX XXXX requires consistent reporting of critical dates ( e.g., XXXX segment for XXXX ). Inconsistent dates indicate non-compliance. 
* Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds that inaccurate reporting of dates constitutes a material violation of the FCRA. 
* Demand : Verify and standardize all dates or delete the account entirely if unverifiable. 
XXXX. Misleading Comments and Transfer Details * Issue : The comments section notes Transferred to another lender or claim purchased and Sold to : XXXX, but the account continues to reflect delinquency, which is misleading. A transferred account should not report as delinquent unless verified. 
* Violation : * FCRA XXXX ( a ) : CRAs must reinvestigate disputed information and delete it if unverifiable within 30 days. 
* FDCPA XXXX : Reporting misleading information about a debts status violates the XXXX prohibition on false or deceptive representations. 
* XXXX XXXX ( XXXX XXXX. XXXX ) : Transmitting misleading or false data via e-OSCAR, an electronic system, XXXX constitute wire fraud if done with intent to deceive. 
* Case Law : XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), confirms that furnishers must verify disputed information or delete it. 
* Demand : Remove misleading comments and delinquency status or delete the account entirely. 
XXXX. Two-Year Payment History Discrepancies * Issue : The payment history shows inconsistent delinquency statuses ( e.g., 60 Days Late on TransUnion/Equifax, 30 Days XXXX on Experian ) for the same months, violating XXXX XXXX requirement for XXXX payment history reporting. 
* Violation : * XXXX XXXX Compliance : The Payment History Profile must accurately reflect the accounts status per XXXX XXXX guidelines. Inconsistent reporting violates this standard. 
* FCRA XXXX ( b ) : Furnishers must correct inaccurate payment history after a reasonable investigation. 
* Case Law : XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds furnishers liable for failing to correct inaccurate payment history after a dispute. 
* Demand : Correct the payment history to reflect accurate status or delete the account. 
XXXX. Failure to Report XXXX Accurately * Issue : The account does not clearly indicate the furnishers role ( e.g., original creditor, debt buyer, or collector ) under XXXX XXXX guidelines. 
* Violation : * FCRA XXXX ( b ) : CRAs must ensure accurate reporting of the furnishers role. 
* XXXX XXXX Compliance : The XXXX XXXX and Account XXXX fields must clearly identify the furnishers role. 
* Demand : Update the account to accurately reflect the furnishers role or delete it. 
Requested Actions Under XXXX XXXX. XXXX ( a ), you are required to conduct a reasonable investigation within 30 days and delete or correct any information that can not be verified. I demand the following : XXXX. Permanent Deletion : Delete the account ( # XXXX * * * * ) from my credit file across all three bureaus due to unverifiable and inaccurate information. 
XXXX. Correction of Inaccuracies : If the account is not deleted, correct all inaccuracies, including payment status, dates, comments, and payment history, to comply with XXXX XXXX and FCRA standards. 
XXXX. Compensation for Damages : Pursuant to XXXX XXXX. XXXX ( willful noncompliance ) and XXXX ( negligent noncompliance ), I seek compensation for damages caused by inaccurate reporting, including emotional distress, financial harm, and credit denials. 
XXXX. Proof of XXXX : Provide a detailed report of your investigation, including all communications with the furnisher ( e.g., XXXX ), as required under FCRA XXXX ( a ) ( XXXX ). 
XXXX. Cease and Desist : Cease reporting this account to any third parties until the dispute is resolved, per FDCPA XXXX ( c ). 
Additional Notes * Without Prejudice XXXX XXXX : I reserve all rights and remedies under the Uniform Commercial Code and applicable laws. 
* OCRA Compliance : The XXXX of the XXXX of the XXXX guidelines require accurate credit reporting. Non-compliance XXXX be reported to regulatory authorities. 
* e-OSCAR Violations : Transmitting false or misleading data through e-OSCAR XXXX violate XXXX XXXX. XXXX ( wire fraud ). I reserve the right to escalate this matter to the appropriate authorities. Dispute Details and Violations The information reported on this account contains multiple inaccuracies and violates several provisions of the FCRA, FDCPA, XXXX XXXX, and OCRA standards. Below, I outline each issue and the applicable laws : XXXX. Inaccurate Payment Status Reporting * Issue : The account is reported as Late 60 Days ( XXXX ) and Late 30 Days ( Experian ), despite the account being transferred with a {$0.00} balance. This is inconsistent and misleading, as a transferred account with no balance should not reflect delinquency. 
* Violation : * FCRA XXXX ( b ) : Credit reporting agencies ( CRAs ) must maintain reasonable procedures to assure maximum possible accuracy. Inaccurate delinquency reporting violates this provision. 
* FCRA XXXX ( b ) : Furnishers are required to conduct a reasonable investigation and correct or delete unverified information. The conflicting delinquency statuses indicate a failure to verify. 
* XXXX XXXX Compliance : The Account Status Code ( e.g., XXXX for Transferred ) and Payment Rating are inconsistent with XXXX XXXX guidelines, which require accurate status reporting for transferred accounts. 
* XXXX XXXX : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), establishes that CRAs must correct inaccurate information upon dispute or face liability for failing to follow reasonable procedures. 
* Demand : Delete the delinquency status and update the account to reflect Transferred, Paid as Agreed ( XXXX XXXX XXXX XXXX ). 
XXXX. Inconsistent Dates Across Bureaus * Issue : The Date Opened is reported as XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) XXXX The Date of Last Payment and Date of Last Active also vary across bureaus, creating confusion and inaccuracy. 
* Violation : * FCRA XXXX : Incorrect dates, such as the Date of First Delinquency ( DOFD ) or other key dates, violate the XXXX requirement for accurate reporting. 
* XXXX XXXX Compliance : XXXX XXXX requires consistent reporting of critical dates ( e.g., XXXX segment for XXXX ). Inconsistent dates indicate non-compliance. 
* Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds that inaccurate reporting of dates constitutes a material violation of the FCRA. 
* Demand : Verify and standardize all dates or delete the account entirely if unverifiable. 
XXXX. Misleading Comments and Transfer Details * Issue : The comments section notes Transferred to another lender or claim purchased and Sold to : XXXX, but the account continues to reflect delinquency, which is misleading. A transferred account should not report as delinquent unless verified. 
* Violation : * FCRA XXXX ( a ) : CRAs must reinvestigate disputed information and delete it if unverifiable within 30 days. 
* FDCPA XXXX : Reporting misleading information about a debts status violates the XXXX prohibition on false or deceptive representations. 
* XXXX XXXX ( XXXX XXXX. XXXX ) : Transmitting misleading or false data via e-OSCAR, an electronic system, XXXX constitute wire fraud if done with intent to deceive. 
* Case Law : XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), confirms that furnishers must verify disputed information or delete it. 
* Demand : Remove misleading comments and delinquency status or delete the account entirely. 
XXXX. Two-Year Payment History Discrepancies * Issue : The payment history shows inconsistent delinquency statuses ( e.g., 60 Days Late on TransUnion/Equifax, 30 Days XXXX on Experian ) for the same months, violating XXXX XXXX requirement for XXXX payment history reporting. 
* Violation : * XXXX XXXX Compliance : The Payment History Profile must accurately reflect the accounts status per XXXX XXXX guidelines. Inconsistent reporting violates this standard. 
* FCRA XXXX ( b ) : Furnishers must correct inaccurate payment history after a reasonable investigation. 
* Case Law : XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds furnishers liable for failing to correct inaccurate payment history after a dispute. 
* Demand : Correct the payment history to reflect accurate status or delete the account. 
XXXX. Failure to Report XXXX Accurately * Issue : The account does not clearly indicate the furnishers role ( e.g., original creditor, debt buyer, or collector ) under XXXX XXXX guidelines. 
* Violation : * FCRA XXXX ( b ) : CRAs must ensure accurate reporting of the furnishers role. 
* XXXX XXXX Compliance : The XXXX XXXX and Account XXXX fields must clearly identify the furnishers role. 
* Demand : Update the account to accurately reflect the furnishers role or delete it. 
Requested Actions Under XXXX XXXX. XXXX ( a ), you are required to conduct a reasonable investigation within 30 days and delete or correct any information that can not be verified. I demand the following : XXXX. Permanent Deletion : Delete the account ( # XXXX * * * * ) from my credit file across all three bureaus due to unverifiable and inaccurate information. 
XXXX. Correction of Inaccuracies : If the account is not deleted, correct all inaccuracies, including payment status, dates, comments, and payment history, to comply with XXXX XXXX and FCRA standards. 
XXXX. Compensation for Damages : Pursuant to XXXX XXXX. XXXX ( willful noncompliance ) and XXXX ( negligent noncompliance ), I seek compensation for damages caused by inaccurate reporting, including emotional distress, financial harm, and credit denials. 
XXXX. Proof of XXXX : Provide a detailed report of your investigation, including all communications with the furnisher ( e.g., XXXX ), as required under FCRA XXXX ( a ) ( XXXX ). 
XXXX. Cease and Desist : Cease reporting this account to any third parties until the dispute is resolved, per FDCPA XXXX ( c ). 
Additional Notes * Without Prejudice XXXX XXXX : I reserve all rights and remedies under the Uniform Commercial Code and applicable laws.

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