Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX SSN : XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Via Certified Mail TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Re : Formal Notice of Continued FCRA & Metro 2 Violations -- LEGAL DEMAND FOR IMMEDIATE DELETION OF INACCURATE, UNVERIFIABLE, NON-COMPLIANT INFORMATION UNDER FCRA AND METRO 2 GUIDELINES Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX, and XXXX  To Whom It May Concern : This correspondence is tendered as a formal and final demand pursuant to my rights under 15 U.S.C. 1681 et seq., commonly known as the Fair Credit Reporting Act ( FCRA ), and relevant industry compliance standards including Metro 2 Format Guidelines, promulgated by the Consumer Data Industry Association ( CDIA ).

Upon meticulous review of my consumer file maintained by TransUnion, several derogatory tradelines have been identified as materially inaccurate, unverifiable, noncompliant, and inconsistent with industry-standard formatting and reporting regulations. These violations constitute statutory infractions and carry significant consequences under federal law. The items enumerated herein must be deleted immediately to avoid further escalation of this matter.

In my capacity as a private citizen and consumer whose rights have been repeatedly infringed upon in clear violation of federal and industry standards governing the accuracy, fairness, and integrity of credit reporting. This letter constitutes formal legal notice pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as Metro 2 compliance standards adopted by the Consumer Data Industry Association ( CDIA ), concerning multiple accounts that continue to be reported by TransUnion in a manner that is materially false, misleading, unverifiable, and non-compliant.

Specifically, the following tradelines are the subject of dispute and demand immediate removal : ________________________________________ 1. XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$30000.00} Creditor Remarks : Repossession Payment Status : Repossession Term Length : 72 Months This account is reported with derogatory status, incorrect payment amount, and unverifiable derogatory remarks. Despite prior removals of this tradeline by both XXXX XXXX XXXX, TransUnion persists in publishing materially inconsistent data that deviates from Metro 2 formatting standards, including but not limited to inaccurate coding of payment status ( BS-17B ), incorrect balance data ( BS-21 ), and unresolved formatting inconsistencies such as the Payment Amount field ( BS-22 ) which lacks verifiable payment proof.

You are hereby demanded to cease and desist from continued publication of this account unless and until documented, auditable proof of compliance with FCRA 1681e ( b ), 1681i ( a ), and Metro 2 standards is provided. Absent verifiable documentation, you are required to permanently delete this account from your records pursuant to XXXX XXXX Trans Union XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
________________________________________ 2. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Past Due : {$11000.00} Credit Limit : {$18000.00} Creditor Remarks : Charge-Off The information TransUnion continues to report does not reconcile with verified data from other bureaus nor does it meet XXXX ( b ) standards for maximum possible accuracy. In addition, the Term Length is reported as XXXX, and Payment Amount is listed as {$0.00}, which indicates a lack of formatting integrity under Metro 2 conventions. 
XXXX XXXX XXXX have already deleted this tradeline, indicating that your continued publication is willful, negligent, and reckless, giving rise to potential claims for actual and statutory damages under 15 U.S.C. 1681n and 1681o. 
________________________________________ 3. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance Owed : {$790.00} Status : Charged-Off This account is also flagged with contradictory data fields, an absence of two-year payment history, improper account type and term length reporting, and unexplained deviations from Metro 2 standards. The inconsistent formatting of Secured Credit Card data under CDIA protocols further highlights gross deficiencies in your data processing. 
XXXX XXXX XXXX have already deleted this tradeline, indicating that your continued publication is willful, negligent, and reckless, giving rise to potential claims for actual and statutory damages under 15 U.S.C. 1681n and 1681o.

It is evident that TransUnion continues to reinsert or maintain reporting of derogatory tradelines which have already been deemed unverifiable by peer bureaus, thereby demonstrating a systemic failure to follow reasonable procedures to ensure accuracy, in violation of 1681i ( a ) ( 5 ) ( B ) ( ii ). Any reinsertion of previously deleted data without notification to the consumer within five business days further constitutes an independent FCRA violation under 1681i ( a ) ( 5 ) ( B ).

________________________________________ Demand for Immediate Action Accordingly, I formally demand the following : 1. Permanent deletion of the above-referenced accounts from your records ; 2. Written documentation substantiating all Metro 2 formatting, creditor validation, and legal compliance used to justify your continued reporting ; 3. A complete statement of the methods used to verify the accuracy of each item under FCRA 1681i ( a ) ; 4. Notice of any third-party data furnishers and dates of last verification for each disputed tradeline.

If you fail to correct these inaccuracies within 15 days of receipt of this notice, I will be forced to pursue remedies under federal law, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as the initiation of civil litigation in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). 
Govern yourself accordingly. 
Respectfully, XXXX XXXX XXXX XXXX XXXX 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