Consumer complaint received 2025-10-13 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:
I dispute the accuracy and completeness of the following tradelines on my TransUnion consumer report. These entries violate FCRA 607 ( b ) ( maximum possible accuracy ) and 611, including 1681i ( a ) ( 1 ) ( A ) ( reasonable reinvestigation ) and 1681i ( a ) ( 5 ) ( A ) ( correction/deletion if inaccurate or unverifiable ). Codes are not proof. You must conduct an independent reinvestigation under XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Cir. XXXX ) not merely parrot a furnishers say-soand obtain documentary evidence ( running statements/ledger ) that shows the contractual due date, the date payment was actually received, and the date it was posted for each late month reported. 
XXXX ) XXXX XXXX XXXX ( credit card ) TU File What your file says ( quotes/paraphrase ) : Payment after charge off/collection ; remarks indicate prior dispute ; Last Reported XX/XX/XXXX. 
Defects / XXXX / XXXX XXXX fields : Inflated payment history by implying serial charge-offs/collection status over multiple months. 
o FCRA 607 ( b ) ; XXXX XXXX XXXX ( a ) ( furnisher policies ). 
XXXX XXXX XXXX : Payment Rating ( field XXXX ) / XXXX XXXX XXXX must reflect the single worst status for each monthno rolling CO inflation. 
XXXX XXXX used to govern aging/obsolescence. 
XXXX XXXX XXXX DOFD ( field XXXX ). 
All late months disputed : Every month your TU grid codes XXXX for this tradeline during XXXX ( see highlighted enclosure ). 
XXXX ) XXXX XXXX ( XXXX XXXX credit card ) XXXX File What your file says : Payment after charge off/collection, PAID CHARGE OFF ; Last Reported XX/XX/XXXX. 
Defects / XXXX / XXXX XXXX fields : Residual derog/collection phrasing and any repeated CO coding after the account was paid/settled is misleading. 
o FCRA 607 ( b ) ; XXXX XXXX XXXX ( a ). 
XXXX XXXX XXXX : Account Status ( XXXX ), Current Balance ( XXXX ), Amount Past Due ( XXXX ), Scheduled Monthly Payment ( XXXX ) must align with paid/settled ; Payment Rating ( XXXX ) can not stack CO months. 
All late months disputed : Every TU month coded XXXX for this tradeline. 
XXXX ) XXXXXXXX XXXX ( auto loan ) TU File What your file says : Settled ; less than full balance, Payment after charge off/collection ; Last Reported XX/XX/XXXX. 
Defects / XXXX / XXXX XXXX fields : XXXX conflicts with Experian ( which shows activity and lates into XXXX ) indicate date/status mismatch. 
o FCRA 607 ( b ) ; XXXX XXXX XXXX ( a ). 
XXXX XXXX XXXX : Date of Account Information ( XXXX ), Date of Last Payment ( XXXX ), DOFD ( XXXX ) must reconcile ; XXXX must reflect settlement ( no ongoing past-due ). 
All late months disputed : Any TU-coded XXXX months for this tradeline. 
My demand ( applies to all three TU tradelines above ) XXXX. Independent verification per XXXX ( a ) ( XXXX ) ( A ) and XXXX : provide running statements/ledger proving due date, receipt date, and posting date for each late ; provide DOFD and XXXX XXXX XXXX XXXX ( XXXX ). Codes are not proof. 
XXXX. If you can not verify to that standard, delete the inaccurate items or the entire tradeline under XXXX ( a ) ( XXXX ) ( A ). 
XXXX. Failure to comply will result in complaints to the CFPB, FTC, and my State Attorney General, and I will pursue civil remedies under FCRA 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