Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint highlights XXXX repeated and egregious failures in reporting and investigating inaccuracies related to a XXXX account ( Account # XXXX ). These failures have resulted in significant harm to my credit profile and financial standing. TransUnions actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and Consumer Data Industry Association ( CDIA ) guidelines. Furthermore, the companys handling of disputes reflects non-compliance with established legal precedents that affirm the need for robust and accurate consumer reporting practices. 

Detailed Violations and Legal Context FCRA 1681e ( b ) - Failure to Ensure Maximum Possible Accuracy TransUnion is required to maintain the accuracy and completeness of consumer reports. However, it continues to inaccurately report this account as a charge-off ( Code 97 ) despite the account being resolved.

According to Metro 2 standards, this account should be reported with Code 13 ( Account Paid in Full for Less than Full Balance ) and include Special Comment Code AU ( Account Paid in Full for Less than Full Balance ). The omission of these codes undermines the integrity of the data. 
Legal Precedent : In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that consumer reporting agencies have an affirmative duty to ensure maximum possible accuracy in credit reporting. TransUnions ongoing failure to correct inaccuracies violates this obligation. 

FCRA 1681i ( a ) ( 1 ) ( A ) - Failure to Conduct a Reasonable Investigation Despite multiple disputes filed under the FCRA, TransUnion has failed to conduct a meaningful reinvestigation. Instead, the disputes appear to have been processed through automated systems without addressing the specific inaccuracies raised.

The use of automated systems like e-Oscar for dispute handling has been criticized in cases such as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court emphasized the need for a reasonable investigation beyond automated processes. 
Metro 2 Standards : Incomplete Reporting of Compliance Condition Codes TransUnion failed to apply Code XA ( Account Closed, Paid, and No Longer Reportable ) in Field 41 ( Compliance Condition Code ), as required under Metro 2 standards for resolved accounts.

This omission is a direct breach of the CDIAs Metro 2 Data Reporting Standards, which ensure consistent and accurate reporting practices.

CDIA Guidelines : Continued Reporting of Derogatory Payment History TransUnion continues to report CO ( Charge-Off ) in Field 18 ( Payment History Profile ) for several months following the resolution of the account. This violates XXXX guidelines, which prohibit derogatory payment history from being reported once an account is resolved. 

Harm Caused to the Consumer These inaccuracies have negatively impacted my creditworthiness, causing me to be denied credit opportunities, incur higher interest rates, and face reputational harm. TransUnions failures directly violate the spirit of the FCRA, which aims to protect consumers from such outcomes. 

Requested Resolutions : Immediate Deletion of the XXXX Account TransUnions repeated violations render this account unreportable. Immediate deletion is the only lawful and fair resolution. 

Internal Audits and Process Revisions TransUnion must audit its dispute-handling processes and train its staff to ensure compliance with FCRA and Metro 2 standards. 

Provide a Corrected Credit Report A revised credit report reflecting the deletion of the XXXX account must be provided promptly. 

In conclusion, TransUnions repeated and documented failures to comply with the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and Consumer Data Industry Association ( CDIA ) guidelines necessitate the immediate deletion of the XXXX account ( Account # XXXX ). These violations demonstrate a systemic failure to ensure accurate reporting, conduct thorough investigations, and uphold industry standards.

By failing to : Report the account using the correct Metro 2 code
s, including Code 13 ( Account Paid in Full for Less than Full Balance ) and Special Comment Code AU ; Apply Code XA ( Account Closed, Paid, and No Longer Reportable ) in the Compliance Condition Code ; Cease the continued reporting of derogatory payment history after the account resolution ; Conduct a reasonable investigation into the disputes I raised, as required under FCRA 1681i ( a ) ( 1 ) ( A ) ; TransUnion has directly harmed my financial reputation, creditworthiness, and ability to secure fair credit opportunities. These actions clearly violate the principles established in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which require maximum possible accuracy in reporting. 

Given the severity of these failures and the material harm caused, I respectfully request the CFPB to compel TransUnion to : Immediately delete this account from my credit file, as it is unreportable under FCRA, Metro 2, and CDIA standards ; Implement corrective measures, including staff training and internal audits, to prevent similar violations in the future ; Provide an updated credit report, reflecting the permanent deletion of the account. 
Without these actions, TransUnion will continue to violate my rights under the FCRA and undermine the integrity of the credit reporting system.

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