Consumer complaint received 2025-09-17 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: KS

Complaint narrative:
I dispute the accuracy and integrity of the following items on my TransUnion credit file dated XX/XX/XXXX. This is a formal request for independent reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), with deletion required under 1681i ( a ) ( 5 ) ( A ) if you can not verify to the standard mandated by XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). You are also obligated to maintain maximum possible accuracy under 607 ( b ) and to ensure furnisher integrity per Reg V ( 12 C.F.R. 1022.42 & Appendix E ). 
In every item below, all late months are disputed. You are to obtain and provide running statements/ledger showing, for each month coded late : the statement date, due date, amount due, payment receipt date, and posting date. Codes are not proof. 
XXXX ) XXXX XXXX XXXX Acct XXXX What TransUnion reports ( verbatim ) : Account Status : Indeterminate ; Payment Status : Charged off as bad debt ; Comments : Purchased by another lender ; Balance {$0.00} ; Last Reported XX/XX/XXXX. 
Defects & Metro 2 breaches Indeterminate is not a valid Metro 2 Account Status.

If Purchased by another lender, post-sale status must be Status XXXX  ( Sold/Transferred ) with {$0.00} Current Balance and appropriate Special Comment ; DOFD must be present if any delinquency remains. 
Fields : Base Segment Account Status, Current Balance, Special Comment, Date of Account Information, FCRA Compliance/DOFD, Payment History Profile.

Demand : Correct to a coherent sold/transferred posture with compliant fields or delete the tradeline in full under 1681i ( a ) ( 5 ) ( A ) if not independently verified to Cushman standards . 
XXXX XXXX XXXX XXXX XXXXXXXX What TransUnion reports ( verbatim ) : Account Status : Indeterminate ; Payment Status : Pays account as agreed ; Balance {$0.00} ; Comments : Account closed due to refinance. 
Defects & Metro 2 breaches Indeterminate is not a Metro 2 status for a closed/paid-via-refinance account. 
Fields : Account Status ( should reflect closed/paid ), Date Closed, Special Comment ( Refinanced ), Date of Account Information. 
Demand : Correct the status set or delete if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX What TransUnion reports ( verbatim ) : Payment after charge off/collection ; Settled ; less than full balance ; Closed ; Last Reported XX/XX/XXXX. 
Defects & Metro 2 concerns All delinquency months associated with this charge-off/settlement are disputed ; provide monthly ledgers ( due/receipt/posting ). Confirm accurate DOFD, Account Status, Special Comment, and Payment History Profile are Metro 2-coherent.

Fields : Payment History Profile, Account Status, Special Comment ( settled ), FCRA Compliance/DOFD, Date of Account Information.

Demand : Independently verify each late/derogatory code with actual records. Codes are not proof. Otherwise delete derogatory history and/or the tradeline under 1681i ( a ) ( 5 ) ( A ).

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