Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX [ Insert Address if Known, or General Correspondence Address ] Subject : Formal Dispute of XXXX XXXX XXXX XXXX for XXXX XXXX and CompensationAccount Numbers : XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( Unknown ) SSN : [ XXXX ] Dear Sir or Madam, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Metro 2 compliance guidelines established by the Consumer Data Industry Association ( CDIA ), I am formally disputing the accuracy of information reported on my credit file by XXXX XXXX XXXX and XXXX XXXX XXXX. I demand the immediate investigation, correction, and permanent deletion of all inaccurate, unverified, or non-compliant entries, as well as compensation for damages resulting from these violations. 
Identified Inaccuracies and Violations XXXX. Duplicate Reporting of the Same Debt * Issue : Both XXXX XXXX XXXX and XXXX XXXX XXXX are reporting what appears to be the same debt, as evidenced by the XXXX XXXX account ( XXXX ) marked as Purchased by another lender and my request for validation from XXXX XXXX XXXX on XX/XX/XXXX, which remains unfulfilled. 
* Violation : This violates FCRA 1681s-2 ( b ), which requires furnishers to ensure accuracy and completeness in reporting, and Metro 2 guidelines, which prohibit duplicate reporting of a single obligation. Duplicate reporting misrepresents my creditworthiness and violates 15 U.S.C. 1681e ( b ), requiring reasonable procedures to ensure maximum possible accuracy. 
* Case Law : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds furnishers liable for failing to correct inaccurate reporting after a consumer dispute. 
* Demand : Determine the legitimate owner of the debt, delete the duplicate entry, and provide proof of ownership and validation per FDCPA XXXX. 
XXXX. Inaccurate Date of First Delinquency ( DOFD ) * Issue : The XXXX XXXX account reports a charge-off in XX/XX/XXXX, but the DOFD is not clearly or accurately reported. The payment history indicates a XXXX delinquency in XX/XX/XXXX, which conflicts with the charge-off timeline. 
* Violation : FCRA XXXX ( c ) ( XXXX ) mandates accurate reporting of the DOFD, as it determines the obsolescence period for derogatory accounts ( 7 years from XXXX ). Inaccurate XXXX reporting violates 15 U.S.C. 1681e ( b ) and Metro 2 compliance standards. 
* XXXX XXXX : XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), affirms that inaccurate reporting of delinquency dates constitutes an FCRA violation. 
* Demand : Verify and correct the DOFD or delete the account if unverifiable. Provide documentation of the XXXX calculation. 
XXXX. Failure to Validate Debt by XXXX XXXX XXXX * Issue : On XX/XX/XXXX, I requested debt validation from XXXX XXXX XXXX under FDCPA 1692g. To date, no validation has been provided, yet the account continues to appear on my credit report.

* Violation : FDCPA 1692g ( b ) requires debt collectors to cease collection activities, including credit reporting, until validation is provided. Continued reporting without validation also violates FCRA 1681s-2 ( b ) ( 1 ) ( E ), mandating deletion of unverified information. 
* XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), supports the consumers right to validation before further collection actions. 
* Demand : Delete the XXXX XXXX XXXX account immediately due to non-compliance with FDCPA validation requirements. 
XXXX. Inaccurate Payment History and Status Codes * Issue : The XXXX payment history for the XXXX XXXX  account shows inconsistencies, such as a Charge-off status in XX/XX/XXXX, despite earlier indications of Current/Terms Met in XX/XX/XXXX and a XXXX delinquency in XX/XX/XXXX. The account also shows a {$0.00} balance but remains derogatory. 
* Violation : Metro 2 guidelines require consistent and accurate status codes ( e.g., Code 97 for charge-off with a {$0.00} balance should not remain derogatory ). This violates FCRA 1681e ( b ) and 1681i ( a ), which mandate accurate reporting and reinvestigation of disputes. 
* Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), establishes liability for failure to correct inaccurate status codes. 
* Demand : Correct the payment history and status codes or delete the account if unverifiable. Provide a detailed explanation of all status code transitions. 
XXXX. Potential Wire Fraud via e-OSCAR * Issue : If XXXX XXXX  or XXXX XXXX XXXX uploaded false or misleading data to my credit file through the e-OSCAR system, this constitutes electronic communication of fraudulent information. 
* Violation : 18 U.S.C. 1343 ( Wire Fraud ) prohibits transmitting false information via electronic means with intent to deceive. Additionally, FCRA 1681s-2 ( a ) ( 1 ) ( B ) prohibits furnishing information known to be inaccurate.

* Demand : Provide all e-OSCAR communications related to these accounts to verify the accuracy of transmitted data. Delete any entries based on unverified or false submissions.

6. Failure to Conduct Reasonable Investigation * Issue : Previous disputes ( if any ) or this dispute may not have prompted a reasonable investigation by the furnisher or credit bureau, as evidenced by persistent inaccuracies. 
* Violation : FCRA 1681i ( a ) ( 1 ) and 1681s-2 ( b ) ( 1 ) require credit bureaus and furnishers to conduct reasonable investigations and delete or correct unverified information. 
* XXXX XXXX : XXXX v. XXXX XXXX. Bank, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), holds furnishers liable for perfunctory investigations. 
* Demand : Conduct a thorough investigation, including review of all provided documentation, and delete unverified entries. 
Requested Actions XXXX. Permanent Deletion : Remove the XXXX XXXX ( XXXX ) and XXXX XXXX XXXX accounts from my credit file due to the above violations. 
XXXX. Validation and Documentation : Provide proof of debt ownership, validation per FDCPA 1692g, DOFD calculations, and e-OSCAR communications.

3. Correct Metro 2 Reporting : Ensure all accounts comply with Metro 2 guidelines, including accurate roles ( e.g., original creditor vs. debt collector ), status codes, and payment history.

4. Compensation : I seek compensation for damages caused by inaccurate reporting, including emotional distress, financial harm, and time spent resolving these issues. FCRA 1681n and 1681o provide for actual, statutory, and punitive damages for willful or negligent non-compliance. FDCPA 1692k allows for up to {$1000.00} in statutory damages per violation. 
XXXX. Cease and Desist : XXXX XXXX XXXX must cease all collection activities until validation is provided, per FDCPA 1692g ( b ).

Legal Notice I reserve all rights under UCC 1-308, ensuring my dispute is filed without prejudice to my legal protections. Failure to comply within 30 days ( or 45 days for reinvestigations under FCRA 1681i ( a ) ( 1 ) ) will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursuing private legal remedies under FCRA and FDCPA.

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