Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of XXXX XXXX XXXX Account Inaccurate, Incomplete, and Non-Compliant Reporting ( Request for Deletion Under FCRA 607 ( b ), 611, 623 ( a ) ( 5 ) ) To Whom It May Concern : This letter serves as a formal dispute of the XXXXXXXX XXXX XXXX account currently appearing on my TransUnion credit report. This account is factually incorrect, incomplete, and noncompliant with federal credit reporting regulations under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 data furnishing standard.

Please note that XXXX XXXX XXXX have both removed this account from my credit file after investigation. TransUnion is now solely reporting this entry, placing you in violation of your duty to maintain consistency, accuracy, and verifiable data under FCRA 607 ( b ).

Key Reporting Violations : 1. Date of First Delinquency ( DOFD ) Missing Required under FCRA 623 ( a ) ( 5 ) and FACTA. DOFD is critical for determining reporting limits and status. 
2. High Balance Listed as {$0.00} While Claiming {$54000.00} Due This is a direct violation of Metro 2 Field XX/XX/XXXX standards and materially misrepresents the account.

3. No Monthly Payment or Term Listed Reporting an active debt without a monthly payment or term constitutes incomplete data, violating FCRA 607 ( b ). 
4. Stale or Non-Updated Reporting Last update reported XX/XX/XXXX, with no evident changes or compliance indicators. This fails to meet Metro 2s 3090 day update rule.

5. 44 % On-Time Payment History With No Detailed Record Misleading and unverifiable. No breakdown is provided, and this representation harms my score unfairly.

6. Omission of Furnisher Identity or ECOA Code The account fails to list a proper furnisher structure or responsible party code. Metro 2 Field 28 ( ECOA ) is required for all tradelines.

Legal and Regulatory Support : FCRA 607 ( b ) Information must be complete and accurate FCRA 611 Right to dispute inaccurate, unverifiable data FCRA 623 ( a ) ( 5 ) Mandatory Date of First Delinquency FCRA 616-617 Liability for willful or negligent noncompliance Metro 2 Format Manual Base segment fields, dispute handling, and update requirements Action Requested : Because this account : Lacks essential and required data fields, Was already removed by other CRAs due to the same issues, Is materially misleading and unverifiable, I demand immediate deletion of the XXXX XXXX  XXXX tradeline from my TransUnion credit report under FCRA 611 and Metro 2 compliance standards.

Please provide : 1. Written confirmation of deletion, 2. A revised copy of my credit report, 3. The method and results of your investigation.

If you fail to delete this unverifiable, incomplete account or refuse to investigate in good faith, I will escalate this matter with : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), And pursue civil claims for damages under FCRA 616 and 617.

I am submitting this complaint because TransUnion is reporting inaccurate and incomplete information regarding a child support account from XXXX XXXX  XXXX. This tradeline reflects a balance of {$54000.00} but fails to list a valid high balance ( shows {$0.00} ), does not include a monthly payment or loan term, and omits the Date of First Delinquency ( DOFD ), all of which are required under FCRA 623 ( a ) ( 5 ) and Metro 2 credit reporting standards.

These omissions render the tradeline misleading and unverifiable. Additionally, the payment history lists 44 % on-time without any monthly breakdown, which misrepresents the true payment performance and causes unfair harm to my credit profile.

I previously disputed this account directly with TransUnion and requested full verification or deletion in accordance with FCRA 611. XXXX XXXX XXXX  have already deleted this same tradeline, recognizing the reporting deficiencies. TransUnion has failed to follow suit and continues to report the account inaccurately.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure TransUnion deletes the XXXX XXXX XXXX account from my credit report due to its noncompliance with federal credit reporting laws and Metro 2 guidelines.

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