Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : IMMEDIATE DEMAND FOR REMOVAL OF INACCURATE, UNVERIFIABLE, AND ILLEGALLY REPORTED INFORMATION VIOLATIONS OF FCRA & METRO 2 REPORTING STANDARDS To Whom It May Concern : This letter serves as your official notification that your organization is reporting grossly inaccurate, obsolete, and unverifiable derogatory accounts on my TransUnion consumer file, dated XX/XX/XXXX. The reporting of these accounts is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, and Metro 2 reporting guidelines developed by the Consumer Data Industry Association ( CDIA ).

Let me be absolutely clear : this is not a mere courtesy dispute. This is a demand for full compliance, and your failure to act will trigger immediate complaints with the CFPB, FTC, the California Attorney General, and a civil claim for monetary damages under FCRA 1681n and 1681o.

THE FOLLOWING ACCOUNTS MUST BE DELETED IMMEDIATELY : 1. XXXX Acct # XXXX Status : Charge-off Metro 2 Violation : No Compliance Condition Code XB applied during investigation. Inaccurate Date of Last Activity ( DLA ), inconsistent balance reporting, and absence of dispute notation.

FCRA Violations : 1681e ( b ) Failure to report with maximum accuracy ; 1681i ( a ) Failure to investigate ; 1681s-2 Duty of furnishers to report correctly. 
Demand : DELETE account immediately or apply XB and reinvestigate. Reporting a charged-off status without verifying debt validity constitutes willful misreporting. 
2. XXXX XXXX Acct # XXXX Status : Charged-off with balance and status mismatch. 
Reporting canceled by credit grantor and charge-off simultaneously is contradictory and misleading.

Metro 2 Violation : Incorrect Account Status Code, failure to apply XB, and outdated DOFD. 
Demand : This account violates 1681e ( b ) and must be DELETED or corrected per Metro 2 Data Field 17 and Segment K/L requirements. 
3. XXXX XXXX XXXX XXXX Acct # XXXX Status : Charge-off/Paid Metro 2 Violation : No BP Compliance Code ( Paid after Charge-off ) present. Remarks contradict balance, indicating continued derogatory reporting on a {$0.00} account.

FCRA Violation : 1681c Obsolete and misleading data ; 1681s-2 Failure to update accurate post-charge-off status. 
Demand : Remove account or correct to Paid as Agreed BP immediately. 
4. XXXX Acct XXXX XXXX Status : Charge-off Violation : Reported with inconsistent past due amounts, missing CCC XB, improper Payment Rating, and incorrect Date of First Delinquency. 
Demand : DELETION. You are reporting junk data that does not comply with either the FCRA or CDIA standards. 
5. XXXX Acct # XXXX Status : Charge-off Inconsistencies : Inaccurate DLA, failure to update Payment Rating after charge-off, no XB compliance status, and conflict in account remarks. 
Demand : DELETE immediately. Continued reporting of unverifiable junk data is grounds for legal action under 1681n. 
6. XXXX XXXX  XXXX Acct # XXXX Status : Charge-off Payment history is inconsistent, Payment Rating and Account Status do not correspond with XXXX. Absence of dispute code XB during reinvestigation renders the data unlawful. 
Demand : DELETE or CORRECT under Metro 2 Field 17 ( Account Status = 61 ), CCC XB, and Payment Rating L. 
FINAL NOTICE : YOU ARE IN VIOLATION You have 30 calendar days under 1681i ( a ) to complete a reinvestigation and furnish proof from the original creditor, not a third-party debt buyer or servicer. provide me with all wet ink signatures from your reinvestigation, names, dates, times, and documents and all correspondence that proves you actually reinvestigated my accounts. I need actual proof and full disclosure of all communication took place. 

You are further required to : Notify all parties who pulled my file within the past 6 months of any corrections per 1681i ( d ), Provide me a revised copy of my consumer file free of charge, Apply CCC XB IMMEDIATELY on all accounts during reinvestigation as mandated by Metro 2 Format.

Should you fail to comply, be advised : I am fully prepared to initiate formal legal action under FCRA 1681n for willful noncompliance, 1681o for negligent noncompliance, and seek statutory damages of {$1000.00} per violation plus punitive damages and attorneys fees.

You have been WARNED. Clean this file up NOW. 

Sincerely, 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 explanation