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: AL

Complaint narrative:
I dispute the accuracy and completeness of the items below under FCRA 607 ( b ) and 611 ( including 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) ). Under XXXX v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) you must perform an independent reinvestigation, not a parroting of the furnisher. All late months are disputed. Codes are not proof. For each item, obtain and produce running statements/ledger showing for each disputed late month : ( XXXX ) contractual due date, ( XXXX ) date received, ( XXXX ) date posted. If not verified to that standard, delete the late codes or delete the entire tradeline. I will file XXXX XXXX complaints and pursue damages under 15 U.S.C. 616617 if you fail to comply. 
Disputed Items ( as shown on my TransUnion file ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct [ XXXX ] Quote : Open ; Balance {$790.00} ; XXXX ; Placed for collection. 
Defects/Law : No DOFD or full original provider detail ; collection shows past-due treatment ; violates FCRA 607 ( b ), 611, FDCPA XXXX ( XXXX ) ; XXXX XXXX XXXX. 
XXXX XXXX fixes demanded : Portfolio/Account Type=Collection ; Original Creditor Name ; DOFD/FCRA Compliance Date ; Amount Past XXXX for collections XXXX XXXX XXXX XXXX XXXX XXXX while in dispute. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct [ XXXX ] Quote : Open ; Balance {$650.00} ; XXXX ; Placed for collection. 
Same defects & XXXX XXXX corrections as # XXXX. 
XXXX. XXXX XXXX XXXX ( XXXX ) Acct [ XXXX ] Quote : Installment ( Other ) ; Open ; Collection account/Placed; Was 90 days late XXXX time ( XXXX ). 
XXXX : Misclassified as installment ; XXXX 90 days late on a purchased/collection debt is improper ; DOFD missing ; 607 ( b ), XXXX ; XXXX XXXX XXXX XXXX XXXX FDCPA 1692e ( 8 ).

Metro 2 : Recode Portfolio/Account Type=Collection/Debt Buyer ; add Original Creditor and DOFD ; remove PHP/Payment Rating ; XXXX XXXX 
XXXX. XXXX XXXX  ( XXXX  XXXX ) Acct [ XXXX ] Quote : Collection account ; Open ; Balance {$990.00} ; Was 90 days late XXXX time ( XXXX ). 
Defects/Law : Collection with rolling PHP is misleading ; DOFD not surfaced ; 607 ( b ), 611 ; Reg V ; FDCPA 1692e ( 8 ). 
XXXX XXXX : DOFD/OC ; Amount Past XXXX ; no XXXX  ; correct XXXX XXXX XXXX XXXX during dispute XXXX 
XXXX. XXXX XXXX XXXX ( XXXX XXXX  ) Acct [ XXXX ] Quote : Open ; Balance {$620.00} ; Consumer disputes this account information ; Was 90 days late XXXX time ( XXXX ). 
Defects/Law : Misclassification ; fabricated PHP ; 607 ( b ), 611 ; Reg V ; FDCPA 1692e ( 8 ). 
XXXX XXXX : Recode as Collection if debt-buyer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX  ( XXXX  XXXX ) Acct [ XXXX ] Quote : Open ; Balance {$480.00} ; Collection account ; Placed ; 90 days late XXXX time ( XXXX ). 
Defects/Law/Metro XXXX : Same XXXX # XXXX # XXXX. 
XXXX. XXXX Acct [ XXXX ] Quote : Collection Installment ; Open ; Balance {$480.00} ; Placed for collection. 
Defects/Law : XXXX XXXX and XXXX not identified ; XXXX ( b ), XXXX ; XXXX XXXX XXXX XXXX 
XXXX XXXX : Populate Original Creditor, XXXX  ; correct AS/Portfolio ; Amount Past XXXX. 
XXXX. XXXX XXXX CO # XXXX Acct [ XXXX ] Quote : Closed ; Charged off account ; Balance/Past Due {$1000.00} ; Was 90 days late XXXX time ( XXXX ). 
Defects/Law : XXXX XXXX and rolling XXXX lates after CO are misleading unless XXXX proves pre-charge-off timing only ; XXXX ( b ), XXXX. 
XXXX XXXX : AS=Charge-off ; remove post-CO PHP ; Past Due must be accurate or XXXX postCO ; verify DOFD, DLP, XXXX. 
XXXX. XXXX XXXX CO # XXXX Acct [ XXXX ] Quote : Closed ; Charged off account ; Balance/Past Due {$850.00} ; Was 90 days late XXXX time ( XXXX ). 
Defects/Law/Metro XXXX : Same XXXX # XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXcct [ XXXX ] Quote : Account delinquent 120 days past due date ; Account closed due to transfer. 
Defects/Law : After transfer, late aging can not accrue beyond transfer snapshot ; XXXX ( b ), XXXX. 
XXXX XXXX : Correct AS/SC=Transferred/Closed ; freeze XXXX as of transfer ; verify XXXX. 
XXXX. XXXX XXXX XXXX Loan A Acct [ XXXX ] Quote : Account closed due to refinance ; XXXX ; Was 90 days late XXXX time ( XXXX ). 
Defects/Law : Refinanced loans must show accurate final snapshot ; no continuing late counts ; 607 ( b ), 611. 
XXXX XXXX : SC=Refinanced ; confirm DOFD ; remove any post-refi PHP ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct [ XXXX ] Quote : Same pattern as Loan A. 
Defects/Law/Metro XXXX : Same XXXX demanded.

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