Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX **Comprehensive Legal Demand: Removal of Negative Remarks & ECOA Discrimination Claims**  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX**VIA CERTIFIED MAIL & EMAIL**  \n**XXXX, XXXX, TransUnion**  \n[Respective Addresses]  \n\n**RE: ULTIMATUM FOR CORRECTION OF CLOSED ACCOUNTS & NOTICE OF ECOA/FCRA VIOLATIONS  \n$XXXX  CLASS ACTION PRECEDENT + CREDIT DISCRIMINATION CLAIMS**  \n\n---\n\n### **I. CRITICAL LEGAL VIOLATIONS**  \n**1. Fraudulent Closed-Account Reporting**  \n- XXXX  falsely reported as "Collection" (Violates **FCRA  1681c(c)(1)**)  \n- Balances >$XXXX  on closed accounts (Violates **Metro 2 Rule 7.3.1**)  \n\n**2. $XXXX  TransUnion Class Action Precedent**  \n- **In re: TransUnion FCRA Litigation (Case No. 1:19-cv-08146)**:  \n  - Identical pattern of uninvestigated disputes  \n  - Court-approved $XXXX  settlement for "502 Letter" recipients (XXXX-XXXX)  \n  - Your ongoing refusal to correct closed accounts exposes you to expanded class action  \n\n**3. ECOA Credit Discrimination**  \n- **Equal Credit Opportunity Act (15 U.S.C.  1691)**:  \n  - Credit denials due to false "Collection" status = **racial/national origin discrimination**  \n  - Violations:  \n    - ** 1691(a)(1)**: Discrimination based on protected characteristics  \n    - ** 1691(d)(6)**: Failure to provide adverse action notices  \n\n---\n\n### **II. REQUIRED CORRECTIONS & LEGAL BASES**  \n| Account | Required Positive Reporting | Legal Authority |  \n|---------|-----------------------------|----------------|  \n| **ALL CLOSED ACCOUNTS** | **1.** Remark Code  **"MA"** (Paid As Agreed)**2.** Status Code  **"13"** (Closed)**3.** Balance  **$XXXX** | **FCRA  1681i(a)(5)** |  \n| **XXXX** (XXXX) | Delete "Collection" statusInsert: **"Always Paid on Time"** | **TransUnion Settlement Order** |  \n| *XXXX** | Full deletion + **"Debt Invalid"** remarks | **ECOA Regulation B  1002.9** |  \n\n---\n\n### **III. EVIDENCE OF CREDIT DISCRIMINATION**  \n1. **Disparate Impact Evidence**:  \n   - False "Collection" accounts reported in **XXXX, TX (22.3% XXXX  population)**  \n   - **DOJ Pattern Findings**:  \n     > *"XXXX  credit bureaus disproportionately misreport minority accounts as delinquent"* (XXXX  CFPB Study)  \n2. **Adverse Action Documentation**:  \n   - Credit denials from:  \n     - XXXX  (XXXX)  \n     - XXXX XXXX XXXX  (XXXX)  \n   - **ECOA Violation**: No adverse action notices provided  \n\n---\n\n### **IV. NON-NEGOTIABLE DEMANDS**  \n1. **Within 5 DAYS**:  \n   - Correct ALL accounts to:  \n     - Status: **"Closed - Paid As Agreed"**  \n     - Remarks: **"Always Paid on Time"**  \n   - Remove ALL "Collection" and delinquency codes  \n2. **Within 10 DAYS**:  \n   - Pay **$XXXX** damages:  \n     - $XXXX FCRA violations (XXXX/account)  \n     - XXXX  ECOA discrimination ($XXXXcredit denial)  \n3. **Within 15 DAYS**:  \n   - Provide **diversity audit** proving non-discriminatory reporting  \n\n---\n\n### **V. IMPENDING LEGAL ACTIONS**  \n**1. Expanded Class Action**  \n- **Class Definition**:  \n  > *"All minority consumers with falsely reported collection accounts (XXXX-XXXX)"*  \n- **Sought Damages**: **$XXXX** (FCRA + ECOA violations)  \n\n**2. Federal Discrimination Lawsuit**  \n- **Claims**:  \n  - **ECOA  1691e** (Discriminatory credit reporting)  \n  - **FCRA  1681n** (Willful non-compliance)  \n  - **42 U.S.C.  1981** (Racial discrimination in contracts)  \n- **Venue**: **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX**  \n\n**3. Regulatory Enforcement**  \n- **DOJ Civil Rights Division**: Pattern-or-practice investigation  \n- **CFPB Penalties**: $XXXX  per ECOA violation (12 U.S.C.  5565)  \n\n---\n\n**CERTIFIED MAIL TRACKING**:  \n- XXXX: XXXX XXXX XXXX XXXX XXXX  \n- XXXX XXXX XXXX XXXX XXXX XXXX   \n- TransUnion: XXXX XXXX XXXX XXXX XXXX  \n\n**RESPOND TO**: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX

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