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: NC

Complaint narrative:
Under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ), I dispute the accuracy/completeness of the TransUnion entries listed below. Pursuant to Cushman v.

TransUnion, 115 F.3d 220, you must obtain independent documentary verification ; codes are not proof. For every alleged late month, provide running statements/ledger showing due date, payment receipt, and posting. All late months are disputed. 
Disputed TransUnion entries ( factual quotes law Metro 2 breach brief legal ) 1. XXXX XXXX XXXX XXXX XXXX ( Open ), Acct # [ last-4 ] o Quoted XXXX XXXX Open ; Monthly Payment {$270.00} ; Balance {$11000.00} ; Past Due {$300.00} ; Payment Status : Late60Days ; Date of Last Payment : XXXX ; Date Last Active : XXXX. 
o Law : 607 ( b ), 611 ; Reg V 12 CFR 1022.42.

o Metro 2 : Payment Rating/PHP, Amount Past Due, DLA/DLP, Account Status , Special Comment.

o Why : Past-due/late coding requires ledger proof ; activity dates must be consistent and accurate. 
2. XXXX Line of Credit ( Open, {$0.00} ), Acct # [ last-4 ] o Quoted XXXX : Open ; Balance {$0.00} ; AsAgreed ; This is an account in good standing, yet the tradeline is marked Negative with historical lates ( Was 30 days late 04 ; 60 days late 02 ; 90 days late 01 ).

o Law : 607 ( b ), 611.

o Metro 2 : Payment Rating/PHP vs Account Status, DOFD/DLA, Special Comment .

o Why : $ XXXX/open/good-standing can not coexist with negative presentation without supported delinquency chronology ; misleading. 
3. Untitled { Collection-Installment } ( Refinanced flag ) two small accounts, Acct # [ last-4 : XXXX / XXXX ] o Quoted XXXX : Account Type : Collection-Installment ; Account Status : Refinanced ; Monthly Payment {$2.00} ; Balance $ XXXX {$120.00} ; Comments : Refinanced ; Payment Status : CollectionOrChargeOff ; Past Due {$0.00}. 
o Law : 607 ( b ), 611 ; Reg V 1022.42 ; if debt collector furnisher, FDCPA 1692e ( 8 ).

o Metro 2 : Account Status, Account Type, Special Comment/Compliance Condition Code, Amount Past Due, Date Opened. 
o Why : Refinanced is mutually exclusive with Collection/Charge-off ; facial inaccuracy. 
4. XXXX Unsecured ( Closed XXXX ), Acct # [ last-4 ] o Quoted XXXX : Closed ; Balance {$1100.00} ; Past Due {$1100.00} ; Payment Status : CollectionOrChargeOff ; High Credit {$3100.00} ; Date Last Active : XXXX. 
o Law : 607 ( b ), 611.

o Metro 2 : High Credit, Amount Past Due, DLA/DOFD, Account Status/Payment Rating. 
o Why : Closed status with full past-due and inconsistent high-credit/DLA is misleading absent ledger. 
5. XXXX XXXX XXXX XXXX ), Acct # [ last-4 ] o Quoted XXXX : Installment ; Account Status : Closed ; Balance/Past Due {$810.00} ; Payment Status : CollectionOrChargeOff ; Date Last Active : XXXX. 
o Law : 607 ( b ), 611 ; Reg V 1022.42.43 ; potential FDCPA 1692e ( 8 ).

o Metro 2 : Account Status, Amount Past Due, DLA, Collection indicator/Special Comment, Account Type.

o Why : Status, type, and dates must align and be substantiated. 
6. XXXX XXXX XXXX ( Revolving, Closed ), Acct # [ last-4 ] o Quoted XXXX : Closed ; Balance {$160.00} ; Past Due {$120.00} ; Credit Limit {$2500.00} ; High Credit {$0.00} ; DLA XXXX XXXX 
o Law : 607 ( b ), 611. 
o Metro 2 : Credit Limit, High Credit, DLA, Payment Rating, Amount Past Due.

o Why : Conflicting limit/high-credit and past-due require ledger/DOFD support. 
7. XXXX / XXXX ( Lease ), Acct # [ last-4 ] o Quoted XXXX : Closed ; Balance {$840.00} ; Past Due {$840.00} ; Payment Status : CollectionOrChargeOff ; DLP XXXX. 
o Law : 607 ( b ), 611.

o Metro 2 : Amount Past Due, DOFD/DLA, Payment Rating, Account Type ( Lease ). 
o Why : Past-due equals balance requires ledger and correct DOFD. 
8. XXXX XXXX XXXX Auto Repossession ), Acct # [ last-4 ] o Quoted XXXX : Closed ; Balance {$0.00} ; Payment Status : ForeclosureOrRepossession ; Comments : Involuntary repossession ; late counts present. 
o Law : 607 ( b ), 611.

o Metro 2 : Repossession status, DOFD, DLP, Special Comment.

o Why : Repo reporting must reflect sale/deficiency and exact delinquency chronology. 
9. XXXX Auto ( Closed XXXX ), Acct # [ last-4 ] o Quoted XXXX : Closed/ {$0.00} ; Payment Status : Late90Days ; lates : 30 3, 60 2, 90 2.

o Law : 607 ( b ), 611.

o Metro 2 : Payment Rating vs Closed Status, DLA/DOFD.

o Why : Closed/ {$0.00} with Late90Days is misleading absent ledger ; other bureaus show AsAgreed.

10. XXXX Unsecured ( Closed XXXX ), Acct # [ last-4 ] Quoted XXXX : Closed/ {$0.00} ; Payment Status : Late60Days ; Comments : Account delinquent 60 days past due date. 
Law/Metro 2 : as above. 
Why : Conflicts with other bureau coding ; requires ledger or removal. 
DEMANDS TransUnion 1. Provide running statements/ledger for every alleged late ( all late months disputed ). 
Codes are not proof. 
2. Correct all Metro 2 fields ( Status, DLA/DOFD/DLP, Amount Past Due, Payment Rating/PHP, High Credit/CL, Account Type, Special Comments ) .

3. If not independently verified per XXXX, delete each defective tradeline in full. 
If unresolved, I will file CFPB/FTC/State AG complaints and sue under 15 U.S.C. 616617.

Enclosures : Government ID ; Proof of address ; Highlighted report pages ; Audit summary.

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