Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
Re : Formal FCRA/Reg V dispute & demand for independent reinvestigation multiple tradelines TransUnion is reporting inaccurate and/or misleading information about me. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) you must ensure maximum possible accuracy, and under 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & 1681i ( a ) ( 5 ) ( A ) ) you must conduct a reasonable, independent reinvestigation. Codes are not proof. See XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( a CRA may not merely parrot furnisher codes ). During reinvestigation, you must apply Metro 2 Compliance Condition XXXX XXXX. 
I dispute the following items and every late month you coded for each item. For each late, provide running statements/ledger proving : ( 1 ) contractual due date, ( 2 ) date received, and ( 3 ) date posted. If you can not verify to that standard, delete the derogatory data or the entire tradeline. 
XXXX. XXXX  XXXX ( Acct XXXX | Revolving | opened XX/XX/XXXX ) o Inaccuracy : Late-month mismatch across bureaus. TransUnion shows 30-day lates in XXXX XXXX and XX/XX/XXXX while other bureaus report different months. 
o All late months disputed : XXXX XXXX ; XX/XX/XXXX ( and any other month you coded late ). 
XXXX Metro 2 to correct : Payment History Profile ( PHP ) month codes ; Payment Rating ; Account Status ; Date of Account Information ; apply XXXX XXXX. 
XXXX. XXXX ( Acct XXXX | XXXX XXXX XXXX XXXX ) o Inaccuracy : You show Payment Status : Charge-off while also reporting Past Due XXXX {$0.00}. On a charge-off, Past Due must be {$0.00} ; furnisher must supply DOFD. 
o All late months disputed : every month you coded XXXX in the two-year grid. 
o Law : FCR

A 623 ( a ) ( 5 ) ( DOFD ) ; Reg V 12 C.F.R. 1022.42. o Metro 2 to correct : Amount Past Due = {$0.00} ( CO ) ; FCRA Compliance/DOFD ; align Status/Payment Rating/PHP ; Date of Account Info XXXX XXXX. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ( Acct XXXX | Collection ) o Inaccuracy : Misclassified as Open account while noted Placed for collection. A third-party collection must be furnished in the Collection format. 
o All late months disputed : every derog/late month you coded. 
XXXX Metro 2 to correct : Portfolio/Account Type = Collection ; Account Status ( collection ) ; Special Comment ; XXXX. 
o Law : FCRA 607 ( b ), 611 ; FDCPA 1692e ( 2 ) ( A ), 1692e ( 8 ) ; Reg V 1022.42. 
XXXX. XXXX ( XXXX XXXX ) ( Acct XXXX | Collection ) o Inaccuracy : Same misclassification as above you show Open account with Placed for collection. 
o All late months disputed : every derog month you coded. 
XXXX Metro 2 : Change to Collection trade ; correct Status/Special Comment ; XXXX. 
XXXX. XXXX XXXX ( Loan XXXX XXXX / XXXX / XXXX | XXXX  loans ) o Inaccuracy : Account Status = Indeterminate. That is not a valid consumer-facing Metro 2 status ; deferment must be shown via proper status + comment. 
o All late months disputed : none shown ; to the extent any exist, each is disputed. 
XXXX Metro 2 : Set correct Account Status ( Open ) with deferment indicator ; ensure Terms and Date of Account Info are accurate ; XXXX. 
What I require from TransUnion now Conduct a document-based reinvestigation ( not code-matching ). 
Provide me a written description of the procedure used and the sources you relied upon. 
Correct the items above, or delete any item you can not independently verify to the ledger/statement standard. 
Send me an updated report and notice to all past recipients as required. 
Failure to comply will result in CFPB/FTC/GA AG complaints and litigation under 15 U.S.C.

616617.

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