Consumer complaint received 2025-10-06 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:
Subject : Demand for Independent Reinvestigation XXXX XXXX XXXX XXXX & XXXX failure ( Acct XXXX ) I dispute the accuracy/completeness of XXXX XXXX XXXX XXXX. Your file falsely labels a third-party medical collection as an XXXX account ( balance {$780.00}, XXXX Reported XX/XX/XXXX ) with MEDICAL comment. That is materially inaccurate. 
Law : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 5 ) ( A ) ; Reg V ( 12 C.F.R. 1022.41.43 ) ; XXXX XXXX TransUnion, XXXX XXXX XXXX ( CRA XXXX perform an independent reinvestigation, not parrot codes ) ; FDCPA XXXX XXXX. XXXX ( XXXX ). XXXX XXXX fields breached : Portfolio Type ( Collection required ) ; Account Type ; Account Status ( collection code ) ; Date of First Delinquency ( DOFD ) ; Date of Account Information ; Original Creditor Name. 
Demand : XXXX an independent reinvestigation using source records. All late months are disputed ; provide running statements/ledger proving due date, receipt, and posting for every late month ever coded. Codes are not proof. If you can not verify to XXXX standard or furnish a valid DOFD, delete the tradeline under XXXX ( a ) ( XXXX ) ( A ). 
If not corrected, Ill file complaints with the XXXX XXXX and XXXX XXXX XXXX U.S.C. XXXX. Enclosures : Govt ID ; proof of address ; highlighted TU pages ; ledger demand. 
Letter XXXX XXXX XXXX XXXX ( Acct XXXX ) misclassified ; x-bureau as-of conflict ; XXXX  missing ( Same headers as XXXX ) Subject : Independent Reinvestigation XXXX XXXX XXXX XXXX & inconsistent as-of ( Acct XXXX ) TU shows Open account ( Last Reported XX/XX/XXXX ), while Equifax reports Collection/Unpaid ( Last Reported XX/XX/XXXX ) XXXX XXXX XXXX must be coded as XXXX with a valid XXXX. 
XXXX : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 5 ) ( A ) ; XXXX XXXX ; XXXX ; FDCPA XXXX ( XXXX ). XXXX XXXX : Portfolio Type/Account Type/Account Status, XXXX, Date of Account Information. 
Demand : Independently verify with the furnishers source records ; correct to XXXX with XXXX ( and harmonize the as-of ), or delete. All late months disputed ; provide running statements ledger. Codes are not proof. Non-compliance XXXX XXXX XXXX XXXX Enclosures : As above. 
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ) invalid Account Status : Indeterminate ( Same headers as XXXX ) Subject : Correct Invalid Status or Delete XXXX ( opened XX/XX/XXXX ) Your report shows Account Status : Indeterminate while the tradeline displays Closed/Pays as agreed and a Credit card lost or stolen comment. That is self-contradictory. 
Law : 607 ( b ) ; 611 ; XXXX XXXX ; XXXX. XXXX XXXX : Account Status ( must be a valid closed/paid code aligned with Payment History Profile ( PHP ) /Payment Rating ) and Special Comment consistency.

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