Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
* PLEASE DON'T SKIP OVER ANYTHING IN MY DISPUTE THERE ARE SEVERAL ITEMS. IN THE PREVIOUS DISPUTES YOU IGNORED THEM ''. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. ) Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX This account is inaccurately reported as Open despite being a charge-off. According to the Metro 2 Format Guide provided by the Consumer Data Industry Association ( CDIA ) : A charged-off account must be marked as Closed in XXXX XXXX ( Account Status ). 

Reporting this account as Open misrepresents the true status and violates Metro 2 compliance. 

Additionally, this reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires TransUnion to conduct a reasonable reinvestigation of any disputed item and correct or delete any inaccurate or unverifiable information within 30 days. 

I have submitted multiple disputes, and I have also provided documentation showing that this account has been removed from other credit bureaus as inaccurate. Despite that, TransUnion continues to report it inaccurately and refuses to take corrective action. 

This ongoing reporting is a failure to comply with both Metro 2 data standards and federal law. I demand immediate deletion of this account from my credit file. According to Metro 2 reporting standards, once an account is closed and charged off, no further payments or delinquencies should be reported, and the payment history must accurately reflect the accounts final status. The failure to comply with these Metro 2 requirements renders the tradeline inaccurate and unverifiable. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  This account is inaccurately reported and should be deleted immediately. It has already been removed from XXXX XXXX XXXX due to reporting errors and violations. TransUnion has been notified through multiple disputes, yet continues to report it inaccurately. According to Metro 2 reporting standards, once an account is closed and charged off, no further payments or delinquencies should be reported, and the payment history must accurately reflect the accounts final status. The failure to comply with these Metro 2 requirements renders the tradeline inaccurate and unverifiable. 

The account is marked as Charge-off and Closed as of XX/XX/XXXX, yet the current tradeline reflects misleading and potentially contradictory information : Account Status ( Metro 2 XXXX XXXX ) : Should be reported as Closed, which it is but that is undermined by missing or inconsistent data fields such as : No Data Payment History ( Metro 2 XXXX XXXX ) : This creates an unverifiable, incomplete payment profile. 

Last Payment Date XX/XX/XXXX vs Date Closed XX/XX/XXXX : This contradiction suggests inaccurate chronology.

Past Due Amount of {$610.00} after charge-off is misleading. Once charged off, balances must be reported clearly as charged off debt, not actively past due, per Metro 2 standards. 

Pay Status >Charge-off<, without proper alignment with a zero balance or post-charge-off payment activity, is inconsistent with required reporting practices. 

This tradeline also includes the remark : Account information disputed by consumer ( FCRA ) ; UNPAID BALANCE CHARGED OFF, yet TransUnion has failed to take corrective action even after multiple disputes and evidence of deletion by other CRAs. According to Metro 2 reporting standards, once an account is closed and charged off, no further payments or delinquencies should be reported, and the payment history must accurately reflect the accounts final status. The failure to comply with these Metro 2 requirements renders the tradeline inaccurate and unverifiable.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), TransUnion is required to : Conduct a reasonable reinvestigation of disputed items, Remove or correct inaccurate or unverifiable data within 30 days, Continuing to report this account with inconsistent, incomplete, and inaccurate data despite prior disputes and third-party confirmation of removal constitutes willful noncompliance with both FCRA and Metro 2 data integrity requirements. 

I demand that this tradeline be immediately deleted from my credit file. 

I am disputing the continued reporting of the XXXX XXXX XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) on my TransUnion credit report. This account was properly charged off and closed on XX/XX/XXXX ; however, TransUnion continues to inaccurately report a charge-off status with an improper payment history that reflects activity inconsistent with the account closure date. According to Metro 2 reporting standards, once an account is closed and charged off, no further payments or delinquencies should be reported, and the payment history must accurately reflect the accounts final status. The failure to comply with these Metro 2 requirements renders the tradeline inaccurate and unverifiable. Furthermore, this account has been removed from XXXX XXXX XXXX  following valid disputes, yet TransUnion persists in reporting the same inaccurate information despite multiple disputes filed in accordance with the Fair Credit Reporting Act ( FCRA ) Section 1681i. This ongoing failure to conduct a reasonable reinvestigation and correct or delete the inaccurate information constitutes a violation of my rights under the FCRA. I demand that TransUnion immediately remove this tradeline from my credit report to comply with Metro 2 guidelines and federal law. 

* ADDRESSES ON MY CREDIT FILE ARE NOT MINE & NEVER HAS BEEN * Other Address XXXX XXXX XXXX XXXX, GA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, GA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, GA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Reported XX/XX/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