Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally challenge and reject all results from your investigation of my disputes submitted to the Consumer Financial Protection Bureau ( CFPB ) under Complaint # XXXX ( filed XX/XX/XXXX ) and Complaint # XXXX, regarding the inaccurate reporting of my XXXX XXXX ( Account # XXXX ), XXXXXXXX XXXX XXXX  ( Account # XXXX ), XXXX XXXXXXXX ( Account # XXXX ), and Dept of Ed/XXXX ( Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX ) accounts on my TransUnion credit report. Your investigation time has lapsed, with the XXXX deadline for Complaint # XXXX expiring on XX/XX/XXXX, and Complaint # XXXX remaining unresolved beyond its due date. Your responseclaiming ( 1 ) the information is not currently on your TransUnion credit report, and ( 2 ) we were unable to locate a credit report for you and included a list of acceptable documentation and instructions on where to send them if you would like for us to re-check our recordsis misleading, inadequate, a deliberate stall tactic, and constitutes willful fraud. Evidence from data supplied to XXXX proves these accounts are actively reported with erroneous late payment and charge-off notations, directly contradicting your claims. I demand immediate removal of these inaccuracies and remedies for your violations of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Metro 2 Compliance Standards ( Generation V ), and other consumer laws.

Evidence Contradicting TransUnions Fraudulent Response Your assertion that the disputed information is not on my credit report or that no credit report exists is demonstrably false, as evidenced by data TransUnion supplied to XXXX on [ insert date if available, e.g., XX/XX/XXXX ] : XXXX XXXX ( Auto Loan ) : Account # XXXX ; Joint with XXXX XXXX ; Date Opened : XX/XX/XXXX ; Status : Open, updated XXXX XXXX ; Balance : {$9600.00} as of XX/XX/XXXX ; Monthly Payment : {$510.00} ; Payment History : XX/XX/XXXX : 30 days past due, XX/XX/XXXX : 60 days past due, XX/XX/XXXX : 30 days past due, XX/XX/XXXX : 30 days past due. 



XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX ) : Account # XXXX ; Date Opened : XX/XX/XXXX ; Status : Closed, last reported XX/XX/XXXX ; Payment Status : Collection/Charge-off ; Balance/Amount Past Due : {$1300.00} ; Credit Limit : {$1100.00} ; Remarks : Canceled by credit grantor, charged off as bad debt. 



XXXX XXXX ( Secured Credit Card ) : Account # XXXX ; Date Opened : XX/XX/XXXX ; Status : Closed, last reported XX/XX/XXXX ; Payment Status : Collection/Charge-off ; Balance/Amount Past Due : {$370.00} ; Credit Limit : {$200.00} ; Remarks : Dispute resolved; customer disagrees, charged off as bad debt. 



Dept of Ed/XXXX ( Educational Loans ) : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ; Status : 120 days late, last reported XXXX XXXX, XXXX ; Amount Past Due : {$130.00} ; Balance : {$4100.00} ; Min. Monthly Payment : {$27.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX  ; Date Opened : XX/XX/XXXX ; Status : 120 days late, last reported XXXX XXXX, XXXX ; Amount Past Due : {$350.00} ; Balance : {$9300.00} ; Min. Monthly Payment : {$71.00}. 

This XXXX data, sourced directly from TransUnion, confirms these accounts are actively reported with inaccurate late payment and charge-off notations, exposing your response as a deliberate misrepresentation. Your failure to address the lack of specific due dates, delinquency dates, and proper documentationissues raised in prior disputesfurther demonstrates inadequate investigation and stall tactics.

Violations of Consumer Laws and Metro 2 Standards Your handling of my disputes violates multiple consumer protection laws and standards : Violation of FCRA Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion must conduct a reasonable investigation within 30 days of receiving a dispute from the CFPB. For Complaint # XXXX, filed XX/XX/XXXX, the deadline was XX/XX/XXXX, which has lapsed. Your false claim that no credit report exists or that the data is absent, despite XXXX evidence, shows a complete failure to investigate. Relying on automated E-OSCAR responses rather than a manual review violates FCRAs requirement for thoroughness. The lack of specific due dates and delinquency dates ( e.g., XXXX XXXX  : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ; Aidvantage : 120 days late ) and unverifiable charge-off documentation ( e.g., XXXX, XXXX ) requires removal under 15 U.S.C. 1681i ( a ) ( 5 ).

Violation of FCRA Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), TransUnion must ensure accuracy. The late payment and charge-off notations are inaccurate due to : Missing Dates : XXXX XXXX and XXXX late payments lack specific due and delinquency dates, making them unverifiable. 



Inconsistent Delinquency : XXXX XXXX payment history ( e.g., 60 days late in XX/XX/XXXX, reverting to 30 days in XX/XX/XXXX ) is illogical without evidence of curing payments. 



Unverifiable Charge-offs : XXXX and XXXX charge-offs lack charge-off notices, billing statements, or proof of mailed delinquency notifications. 
Your continued reporting, despite multiple disputes, damages my creditworthiness. 



Non-Compliance with Metro 2 Reporting Standards : The notations fail Metro 2 Compliance Standards ( Generation V ) : Base Segment Fields : Missing Date of First Delinquency ( Field 25 ), Date of Account Status ( Field 24 ), and Scheduled Monthly Payment Amount ( Field 10 ) for all accounts, making late payments and charge-offs unverifiable. 



Payment History Fields ( XXXX ) : Lack of Actual Payment Amount ( Field XXXX ), violating XXXX XXXX XXXX for complete data. 



Charge-off Reporting : XXXX and XXXX lack a Consumer Information Indicator ( Field 26 ) code ( e.g., E for charge-off ) with documentation.

This breaches 15 U.S.C. 1681s-2 ( b ), as CRAs must verify furnisher data during disputes.

Violation of FCRA Inadequate Dispute Response : Your generic response fails to address my disputes substance, violating 15 U.S.C. 1681i ( a ) ( 6 ), which requires a detailed investigation response. This is a stall tactic to avoid accountability.

Violation of TILA Lack of Billing Disclosures : I assert I never received monthly billing statements with required disclosures under 15 U.S.C. 1637 ( b ) ( e.g., Payment Due Date, Late Payment Disclosure ), undermining the validity of late payments and charge-offs, rendering them unverifiable under FCRA. 

Specific Dispute and Rejection of Reinvestigation for XXXX XXXX  Account Regarding Complaint # XXXX, I dispute and demand the immediate removal of all late payment notations for the XXXX XXXX account ( Account # XXXX ) : Account Details : Account Type : Auto Loan ; Responsibility : Joint with XXXX XXXX ; Date Opened : XX/XX/XXXX ; Status : Open ; Balance : {$9600.00} as of XX/XX/XXXX ; Monthly Payment : {$510.00} ; Original Balance : {$26000.00} ; Terms : 75 Months ; Payment History : XX/XX/XXXX : 30 days past due, XX/XX/XXXX : 60 days past due, XX/XX/XXXX : 30 days past due, XX/XX/XXXX : 30 days past due ; Reinvestigation Info : Updated from dispute in XX/XX/XXXX ; consumer disagrees. 



Legal Basis : Late Payments Require Specific Due and Delinquency Dates : Under XXXX U.S.C. 1637 ( b ), late payments must be tied to specific due dates on billing statements, and Metro 2 requires delinquency dates ( e.g., Field 25 ). The absence of these dates ( e.g., XX/XX/XXXX : 30 days late lacks a XX/XX/XXXX due date ) renders the notations unverifiable. The inconsistent progression ( 60 days in XXXX, 30 days in XXXX ) without curing payment evidence further invalidates them. 



Failure to Provide Billing Statements : Under 15 U.S.C. 1666b, XXXX XXXX failed to send statements with due date, late payment, and minimum payment disclosures for XX/XX/XXXX, XXXX XXXX, constituting a billing error. This violates TILA and XXXX XXXX requirement for supporting documentation. 



Inaccurate Reporting : The notations breach FCRA 15 U.S.C. 1681s-2 and Metro 2 XXXX lacking verification, with XXXX  TransUnion, and XXXX failing to correct after my XXXX XXXX  dispute. 



XXXX XXXX : I demand an accounting of the debt, including billing records, which XXXX XXXX and TransUnion have not provided, rendering the late payments unenforceable. 

The investigation for Complaint # XXXX, past due as of XX/XX/XXXX ( 30 days from XX/XX/XXXX ), will be rejected for : Consumer Law Violations : FCRA 1681i requires a reasonable investigation within 30 days, verifying data with original records. Without standing proof or TILA compliance, the investigation is invalid.

Metro 2 Non-Compliance : Missing Field 25 ( Date of First Delinquency ) and Field 17 ( Payment History ) data breaches standards, justifying rejection.

Factual Evidence : I deny receiving notices or statements ; without dated proof, the results are unverified and rejected. 

Consumer Law Remedies Sought Your willful fraud and violations entitle me to : Statutory Damages : Up to {$1000.00} per violation under 15 U.S.C. 1681n.

Actual Damages : For credit harm and emotional distress under 15 U.S.C. 1681o.

Removal of Inaccurate Data : Immediate deletion under 15 U.S.C. 1681i ( a ) ( 5 ).

Specific Demands I demand the following immediate actions : Remove All Late Payments and Charge-offs : Delete the following from my TransUnion credit report : XXXX XXXX : Late payments for XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 



XXXX XXXX Services : Charge-off notation. 



XXXX XXXX : Charge-off notation. 



Dept of Ed/XXXX XXXX 120 days late notations for both accounts. 



Provide Verification Evidence : Produce tangible evidence for each notation, including : Specific Due Dates and Delinquency Dates ( e.g., Field 25 ).

Metro 2 coding details ( Fields 3, 7, 10, 24, 25 ; 17A-17X ).

Billing statements with TILA-required disclosures.

Charge-off notices and delinquency notifications for XXXX and XXXX. 



Conduct a Manual Reinvestigation : Perform a thorough, manual reinvestigation, contacting furnishers directly, as required by 15 U.S.C. 1681i ( a ) ( 1 ).

Cease Reporting Inaccurate Data : Stop reporting these notations to third parties, lacking permissible purpose under 15 U.S.C. 1681b. 



Written Confirmation : Provide written confirmation of removal and an updated credit report within 15 days. 

Warning DO NOT attempt to uphold these notations using : Automated E-OSCAR responses or unverified furnisher statements. 



Generic records lacking specific due dates, delinquency dates, or Metro 2 coding.

Fabricated or altered documents to justify the notations.

Your misleading response and stall tactics constitute willful fraud. If TransUnion continues these practices, I will : Escalate complaints to the FTC, N.J. Attorney Generals Office, and CFPB.

Pursue legal action under 15 U.S.C. 1681n, seeking statutory, actual, and punitive damages, plus attorneys fees.

Request regulatory sanctions for systemic Metro 2 and consumer law violations.

This letter serves as formal notice of your noncompliance and my intent to enforce my rights. 

All investigation results after XXXX XXXX will be rejected.

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