Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX account ( XXXX ) on my credit reports. This account violates **Metro XXXX compliance standards** and the XXXXFair Credit Reporting Act ( FCRA 611 ) **. I demand its **permanent deletion** due to the following violations : -- - # # # **Metro 2 Compliance Violations** 1. ** 3.3.5 ( Inaccurate Original Creditor ) : ** - **TransUnion** : Lists " XXXX XXXX XXXX '' as the original creditor. 
- **Experian/Equifax** : Lists XXXX XXXX XXXX XXXX XXXX XXXX' - *Violation* : XXXX XXXX requires uniform and accurate creditor information. 

XXXX. ** XXXX ( Invalid Account Type ) : ** - Reports the account as an " Open account '' ( TransUnion ) instead of a **debt collection account**. 
- *Violation* : Misclassification breaches XXXX XXXX account type guidelines. 

XXXX. ** XXXX ( Missing Status Information ) : ** - **TransUnion** : Fails to report the accounts status ( e.g., " In Collections '' ). 
- *Violation* : XXXX XXXX mandates clear status codes for transparency. 

XXXX. ** XXXX ( Duplicate Remarks ) : ** - Repeats " Account information disputed by consumer '' ( XXXX ). 
- *Violation* : Metro 2 prohibits redundant remarks. 

XXXX. XXXX XXXX ( Invalid Payment History ) : ** - Reports " No payment history available '' despite being a collection account. 
- *Violation* : XXXX XXXX requires accurate payment history for collections. 

XXXX. **Field XXXX ( Failure to Flag Dispute ) : ** - Omits **Compliance Condition Code " XXXX '' ** despite disputes. 
- *Violation* : XXXX XXXX mandates dispute flags for consumer transparency. 

-- - # # # **Legal Basis for Deletion** Under **FCRA 611 ( a ) ( XXXX ) ( A ) **, credit bureaus must conduct a " reasonable reinvestigation. '' XXXX XXXX XXXX XXXX failed to : - Provide verifiable proof of debt ownership ( e.g., signed contract ). 
- Report a valid original creditor or debt transfer documentation. 
- Apply XXXX XXXX codes ( e.g., Compliance Condition Code " XXXX '' ). 

-- - # # # **Demand for Action** XXXX. **Permanently delete** this account from all credit reports. 
XXXX. **Investigate and correct** systemic inaccuracies. 
XXXX. Provide a XXXXMethod of Verification ( MOV ) ** confirming compliance. 

**Failure to resolve within 30 days** will result in : - Escalation to the XXXX*Consumer Financial Protection Bureau ( CFPB XXXX **. 
- Legal action under **FCRA 616XXXX for willful non-compliance. 

-- - # # # **Attached Documentation** XXXX Credit reports ( XXXX, XXXX, TransUnion XXXX. 
XXXX. Screenshots of discrepancies ( XXXX, XXXX, XXXX ). 

-- - **Certified Mail Tracking # ** : [ Insert after sending ] Sincerely, XXXX XXXX XXXX : XXXX | XXXX : XX/XX/XXXX Phone : 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