Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. 
The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX - My only name is XXXX XXXX. Please remove any other name you may have for me. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX - XXXX only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Please make sure you remove any address in your system which does not match the address listed on this letter. 
XXXX XXXX XXXX XXXX XXXX  TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$7900.00} Credit Limit : XXXX {$9500.00} Creditor Remarks : XXXX Charged off as bad debt Dispute resolved; customer disagrees Creditor Type : - Credit Card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX Balance XXXX XXXX {$9500.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$7900.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX The information above was never certified to meet any reporting standards. The data is incomplete, unsupported, and may be inaccurate. I demand that this information be deleted. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Ive highlighted and circled additional areas of concern. 
Bring to your attention Balance Owed XXXX XXXX ) reporting {$7900.00} I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
I was looking at Payment Amount ( XXXX ) expressing {$0.00}. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. 
Viewing Account Description demonstrating Individual. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! 
Lets examine Account Type ( XXXX ) showing Revolving I challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Collection Balance Owed : XXXX {$380.00} Credit Limit : XXXX - Creditor Remarks : XXXX Account information disputed by consumer, meets FCRA requirements Creditor Type : - Collection Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$380.00} Last Payment : XXXX - Past Due Amount : XXXX - Payment Amount : XXXX - Payment Status : XXXX Collection/Chargeoff Term Length : XXXX - The information above has not been verified to meet reporting standards. The data provided is not complete, accurate, or up-to-date, and I demand that it be corrected. 
Page XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Also, see the image above for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Account Status ( XXXX ) expressing Derogatory. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! 
I was looking at Account # ( XXXX ) expressing XXXX The data on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements I was looking at Account Type ( XXXX ) expressing Collection We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! 
Viewing Creditor Remarks ( XXXX ) demonstrating Account information disputed by consumer, meets FCRA requirements. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about XXXX  requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! 
Lets examine Creditor Type ( - ) showing Collection. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. 
Upon inspecting Past Due Amount ( XXXX ) exhibiting -. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account. 
XXXX XXXX XXXX XXXX XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Installment Balance Owed : XXXX {$34000.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Charged off as bad debt Dispute resolved; customer disagrees Creditor Type : - Debt consolidation Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$29000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$34000.00} Payment Amount : XXXX {$0.00} Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : XXXX Collection/Chargeoff Term Length : XXXX XXXX The information provided above has not been certified to meet any reporting standards. The data is not complete, accurate, or up-to-date, and no evidence has been supplied to confirm compliance with any consumer protection laws. I demand that this information be deleted immediately. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets examine Credit Limit ( XXXX ) showing {$0.00} Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! 
When I scrutinized High Balance ( XXXX ) presenting {$29000.00} XXXX noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards s

et by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! Lets examine 2 Year Payment History showing The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? 
XXXX XXXX - XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$2400.00} Credit Limit : XXXX {$2000.00} Creditor Remarks : XXXX Charged off as bad debt Canceled by credit grantor Creditor Type : - Credit Card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$2400.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$2400.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX The information provided above has not been certified to meet reporting standards and should be considered suspect. Any wrong, incomplete, or unsupported material should be deleted immediately. 
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX When I scrutinized Payment Status ( XXXX ) presenting Collection/Chargeoff This account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! 
I want to bring to your attention Date Opened ( XXXX ) reporting XX/XX/XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! 
Viewing Creditor Remarks ( XXXX ) demonstrating Charged off as bad debt Canceled by credit grantor. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? 
Upon inspecting High Balance ( XXXX ) exhibiting {$2400.00}. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. 
Bring to your attention Date of Last Activity ( XXXX ) reporting XX/XX/XXXX What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! 
XXXX XXXX - XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Installment Balance Owed : XXXX {$2400.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Charged XXXX XXXX bad debt Profit and loss write-off Creditor Type : - Auto Loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$11000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$2400.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX I'm disappointed that you have failed to provide documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters - it's very important we know what kind documentaries can show us so we don't get caught flat-footed when things go south later down the road due an issue which may have been preventable had there only ever been one shred left behind by those who knew better but chose not care enough about accuracy over convenience alone ( you ). 
Page XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
When I scrutinized Past Due Amount ( XXXX ) presenting {$2400.00}. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant Lets examine Term Length ( XXXX ) showing XXXX. That's not quite right. What is your current level of compliance with XXXX  standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of XXXX reporting requirements or remove my information from this account immediately! 
Upon inspecting Account Status ( XXXX ) exhibiting Derogatory. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. 
I want to bring to your attention Balance Owed ( XXXX ) reporting {$2400.00}. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. 
Viewing Account Type ( XXXX ) demonstrating Installment. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? 
XXXXXXXX XXXX XXXX XXXXXXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$4500.00} Credit Limit : XXXX {$3700.00} Creditor Remarks : XXXX Charged XXXX XXXX bad debt Canceled by credit grantor Creditor Type : - Credit Card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$4500.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$4500.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX It's very important that your company complies with all applicable consumer laws and reporting standards. I am disappointed that you have failed to provide any documentation to prove compliance. If this report is not deleted immediately, legal action will be taken against your company. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Also, see the image above for XXXX CARD ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets take a look at Past Due Amount ( XXXX ) reporting {$4500.00}. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report Upon inspecting Payment Status ( XXXX ) exhibiting Collection/Chargeoff. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
I want to bring to your attention Date Reported ( - ) reporting XX/XX/XXXX The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 
Inquiries XXXX XXXX XXXXXX/XX/XXXX TransUnion .I 'm not happy with this! I received my credit report from you, and there are some companies on here that I don't recognize. It looks like they put an inquiry on my file without me knowing- but I shouldn't have to deal with this unless it was something approved by me first. The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act in order to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion This is not right! I received a credit report from you and there are some companies that i'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first!! U S Code 15 USC 1681 ES Seg Section 604 states all users must have a permitted purpose under fair reporting act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report Respectfully You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of 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