Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13986017
Complaint Overview
Complaint ID: 13986017
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: District of Columbia
ZIP Code: 20032
Date Received: 2025-06-09T12:00:00-05:00
Date Sent to Company: 2025-06-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXXXXX 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 XXXXDear Sir/Madam,XXXXI am writing to formally dispute the collections accounts listed on my credit report under the account numbers referenced below. Under 15 U.S. Code 1681 (FCRA) and the Metro 2 Compliance Guidelines, all information furnished to consumer reporting agencies must be accurate, complete, verifiable, and properly formatted. The accounts listed below contain violations of federal law and do not meet Metro 2 compliance standards. I am demanding full deletionXXXX DISPUTED ACCOUNTSXXXX1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReported On: Experian, Equifax, TransUnionXXXXtIssue:XXXXThe account is inconsistently reported as both Open and Closed across different credit bureaus, which is misleading and violates FCRA 1681e(b) bureaus are required to maintain maximum possible accuracy.\n\t\tThere is no full payment history, date of last activity, or original contract shown, violating FCRA 1681s-2(b) furnishers are required to provide accurate and verifiable information.\n\t\tNo response has been provided to previous dispute attempts, violating FCRA 1681i which mandates reinvestigation of disputed information within 30 days.\n\t\tThe absence of key reporting fields also violates FCRA 1681c, which prohibits outdated or incomplete information.\n\t\tThis account fails Metro 2 Compliance Guidelines regarding clear reporting of closed accounts and collection tradelines. Key fields such as Date of First Delinquency, Last Payment Date, and Account Status are either missing or inconsistent.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXStatus: CollectionXXXXReported On: EquifaxXXXXtIssue:XXXXThe account lists no original creditor, contract, or debt validation this violates FCRA 1681s-2(b), which requires all data furnished to be verifiable and accurateXXXXThe credit bureau failed to reinvestigate or correct previously disputed errors, violating FCRA 1681i.XXXXThe entry lacks complete information such as payment history, creditor details, or supporting documentation, which breaches FCRA 1681e(b) by failing to uphold accuracyXXXXThe formatting of the account does not meet Metro 2 Compliance, including the absence of fields like date of last activity, last payment date, and appropriate account type/status code. This leads to consumer confusion and misrepresentation of credit risk.XXXXAttached-Documents Below:XXXXPhoto-IDXXXXSSNXXXXCredit ReportsXXXXReference NumberXXXXLEGAL JUSTIFICATION\XXXXUnder the Fair Credit Reporting Act, I am protected from the furnishing and reporting of inaccurate or unverifiable information. When information is incomplete, outdated, or cannot be validated, it must be removed. Specifically:XXXXtFCRA 1681e(b) Requires maximum possible accuracy in credit reporting. Inconsistent statuses and missing data violate thisXXXXtFCRA 1681s-2(b) Requires data furnishers to investigate, correct, or delete disputed information that cannot be verified.\n\t\tFCRA 1681i Credit bureaus must reinvestigate and resolve consumer disputes within 30 days.XXXXFCRA 1681c Prohibits the reporting of outdated, misleading, or incomplete negative informationXXXXtMetro 2 Compliance Mandates proper format, field population, and clarity when furnishing credit data. Incomplete or conflicting data fields violate Metro 2 guidelines and cannot be legally reportedXXXX RESOLUTION REQUESTED\XXXXtImmediate and permanent deletion of the XXXX XXXX and XXXX XXXX XXXX collection accounts from Experian, Equifax, and TransUnion.XXXXtWritten confirmation of deletion within XXXX calendar days from the receipt of this letterXXXXNo further reporting of these accounts unless original signed contracts, complete payment records, and fully Metro 2-compliant documentation can be presentedXXXXIf these accounts are not deleted within the legally mandated period, I will file formal complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) and pursue civil legal remedies under FCRA 1681n and 1681o for negligent or willful noncompliance, including statutory and punitive damages.XXXXThank you for your attention and complianceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13986017 about?
Complaint #13986017 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-09T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.