Consumer complaint received 2025-05-25 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: NJ

Complaint narrative:
I reject your investigation and response to my Consumer Financial Protection Bureau ( CFPB ) complaint regarding the inaccurate reporting of my Ally Financial ( Account Number : XXXX ), XXXX Card Services ( Account Number : XXXX ), Citicards XXXX ( Account Number : XXXX ), and XXXX XXXX XXXX XXXX Account Numbers : XXXX * * * * and XXXX * * * * ) accounts on my TransUnion credit report. Your responseclaiming ( 1 ) the information is not currently on your TransUnion credit report, and ( 2 ) we were unable to locate a credit report for you and included a list of acceptable documentation and instructions on where to send them if you would like for us to re-check our recordsis misleading, inadequate, a deliberate stall tactic, and constitutes willful fraud. The data TransUnion supplied to XXXX clearly proves these accounts are actively reported with erroneous late payment and charge-off notations, directly contradicting your claims. Your failure to properly investigate and correct these inaccuracies violates the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance Standards ( Generation V ), and the Truth in Lending Act ( TILA ), and I demand immediate corrective action, removal of the late payment and charge-off notations, and remedies for these violations. 

Evidence Contradicting TransUnions Fraudulent Response Your claim that the disputed information is not on my credit report or that no credit report exists for me is demonstrably false, as evidenced by the data TransUnion supplied to XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX ; Joint with XXXX XXXX ; Date Opened : XX/XX/XXXX ; Status : XXXX, updated XXXX XXXX ; Balance : {$9600.00} as of XX/XX/XXXX ; Monthly Payment : {$510.00} ; Payment History : XX/XX/XXXX : XXXX XXXX XXXX XXXX, XX/XX/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  ) : Account Number : XXXX ; Date Opened : XX/XX/XXXX ; Status : Closed, last reported XX/XX/XXXX ; Payment Status : XXXX ; Balance/Amount Past Due : {$1300.00} ; Credit Limit : {$1100.00} ; XXXX XXXX Canceled by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX ( Secured Credit Card ) : Account Number : XXXX ; Date Opened : XX/XX/XXXX ; Status : Closed, last reported XX/XX/XXXX ; Payment Status : XXXX XXXX XXXX XXXX XXXX : {$370.00} ; Credit Limit : {$200.00} ; Remarks : Dispute resolved; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX * * * * ; Date Opened : XX/XX/XXXX ; Status : 120 days late, last reported XXXX XXXX, XXXX ; Amount Past Due : {$130.00} ; Balance : {$4100.00} ; Min. Monthly Payment : {$27.00}. 

Account Number : XXXX * * * * ; Date Opened : XX/XX/XXXX ; Status : 120 days late, last reported XXXX XXXX, XXXX ; Amount Past Due : {$350.00} ; Balance : {$9300.00} ; Min. Monthly Payment : {$71.00}. 

This XXXX data, sourced directly from TransUnion, proves these accounts are actively reported on my credit report with inaccurate late payment and charge-off notations, making your response a deliberate misrepresentation and an act of willful fraud. Your failure to address the lack of specific due dates, delinquency dates, and proper documentationissues I have consistently raised in prior disputesfurther demonstrates your inadequate investigation and stall tactics. 

Violations of Consumer Laws and Metro 2 Standards Your response and handling of my disputes violate multiple consumer protection laws and standards : 1. Violation of FCRA Failure to Conduct a Reasonable Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion must conduct a reasonable investigation within 30 days of receiving a dispute. Your false claim that the information is not on my credit report or that no credit report exists shows a complete failure to investigate, as the XXXX data proves otherwise. This reliance on automated systems ( e.g., E-OSCAR rather than a manual investigation violates FCRAs requirement for a thorough investigation. The lack of specific due dates and delinquency dates for late payments ( e.g., Ally Financial : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX and verifiable charge-off documentation ( e.g., XXXX, XXXX ) renders these notations unverifiable, requiring their removal under 15 U.S.C. 1681i ( a ) ( 5 ).

2. Violation of FCRA Inaccurate Reporting Under 15 U.S.C. 1681e ( b ), TransUnion must ensure the accuracy of credit report information. The late payment and charge-off notations are inaccurate due to : Missing Dates : XXXX XXXX and XXXX late payments lack specific due and delinquency dates, making them unverifiable. 

Inconsistent Delinquency : XXXX XXXX payment history ( e.g., XXXX XXXX XXXX in XX/XX/XXXX, reverting to XXXX XXXX  in XX/XX/XXXX ) is illogical without evidence of curing payments. 

Unverifiable XXXX : XXXX and XXXX XXXX  lack XXXX notices, billing statements, or proof of mailed notifications for delinquency stages, rendering them invalid. 
Your continued reporting of these inaccuracies, despite multiple disputes, violates FCRA and damages my creditworthiness. 

3. Non-Compliance with Metro 2 Reporting Standards The notations fail to comply with Metro 2 Compliance Standards ( Generation V ) : Base Segment Fields : Missing Date of First Delinquency ( Field 25 ), Date of Account Status ( Field 24 ), and Scheduled Monthly Payment Amount ( Field 10 ) for all accounts, making late payments and charge-offs unverifiable Payment History Fields ( 17A-17X ) : Lack supporting fields like Actual Payment Amount ( Field 8 ), violating Metro 2s requirement for complete data. 

Charge-off Reporting : XXXX and XXXX  lack a Consumer Information Indicator ( Field 26 ) code ( e.g., E for charge-off ) with documentation.

Your failure to ensure Metro 2 compliance violates 15 U.S.C. 1681s-2 ( b ), as CRAs must verify furnisher data during disputes.

4. Violation of FCRA Inadequate Dispute Response Your generic response fails to address the substance of my disputes, violating 15 U.S.C. 1681i ( a ) ( 6 ), which requires a detailed investigation response. This inadequate reply is a stall tactic to avoid accountability.

5. Violation of TILA Lack of Billing Disclosures I assert that I never received monthly billing statements with required disclosures under 15 U.S.C. 1637 ( b ) ( e.g., Payment Due Date, XXXX XXXX XXXX ), undermining the validity of the XXXX XXXX XXXX XXXX  and rendering them unverifiable under FCRA. 

Consumer Law Remedies Sought Your willful fraud and violations entitle me to : Statutory Damages : Up to {$1000.00} per violation under 15 U.S.C. 1681n for willful noncompliance. 

Actual Damages : For financial harm ( e.g., reduced credit score, denied credit ) and emotional distress under 15 U.S.C. 1681o.

Removal of Inaccurate Data : Immediate deletion of late payments and charge-offs under 15 U.S.C. 1681i ( a ) ( 5 ). 


Specific Demands I demand the following immediate actions : XXXX All Late Payments and Charge-offs : Delete the following from my TransUnion credit report : XXXX XXXXl : Late payments for XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX : Charge-off notation. 

XXXX XXXX : Charge-off notation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  notations for both accounts XXXX. Provide Verification Evidence : Produce tangible evidence for each notation, including : Specific Due Dates and Delinquency Dates ( e.g., Date of First Delinquency, Field 25 ). 

Metro 2 coding details ( Fields 3, 7, 10, 24, 25 ; 17A-17X ). 

Billing statements with TILA-required disclosures. 
For charge-offs, original notices and proof of mailed notifications for delinquency stages. 

3.Conduct a Manual Reinvestigation : Perform a thorough, manual reinvestigation, contacting furnishers directly, as required by 15 U.S.C. 1681i ( a ) ( 1 ).

4.Cease Reporting Inaccurate Data : Stop reporting these notations to third parties, lacking a permissible purpose under 15 U.S.C. 1681b.

5.Written Confirmation : Provide written confirmation of removal and an updated credit report within 15 days.

Warning DO NOT attempt to uphold these notations using : Automated E-OSCAR responses or unverified furnisher statements.

Generic records lacking specific due dates, delinquency dates, or Metro 2 coding.

Fabricated or altered documents to justify the notations.

Your misleading response and stall tactics constitute willful fraud. If TransUnion continues deceptive practices, I will : Escalate complaints with the Federal Trade Commission ( FTC ) XXXX Attorney XXXX XXXX. 
Pursue legal action under 15 U.S.C. 1681n, seeking statutory, actual, and punitive damages, plus attorneys fees. 
Request regulatory sanctions for systemic violations of Metro 2 and consumer laws. 



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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