Consumer complaint received 2025-09-30 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:
conduct an independent reinvestigation per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), maintain maximum possible accuracy under 1681e ( b ) [ FCRA 607 ( b ) ], and delete unverifiable information under 1681i ( a ) ( 5 ) ( A ). Codes are not proof. Provide primary business records ( running statements/ledgers ) or delete. 
A ) Identity / Header Data Defects 1. Name/Alias formatting mismatch Quote : Also Known As : XXXX, XXXX Law : FCRA 607 ( b ). 
Metro 2 : Base Consumer Name ; Generation/Name Suffix ; Name Variation fields. 
Why its wrong : Compressed/concatenated alias increases mixed-file risk and misidentification. 
XXXX. Address chronology not harmonized Quote : Current Address : XXXX XXXX XXXX XXXX XX/XX/XXXX with different formatting dates across bureaus. 
Law : 607 ( b ).

Metro 2 : Address ; Date of Address Information.

Why its wrong : Inconsistent effective dates/format mislead users of the report. 
B ) Tradeline / Furnisher Defects XXXX. XXXX Revolving Acct # XXXX Quote ( TU ) : Payment Status : Paid or paying as agreed, but history shows XXXX in XX/XX/XXXX only on some bureaus. 
Law : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ). 
Metro 2 : Account Status ( AS ), Payment Rating ( PR ), Payment History Profile ( PHP ), Compliance Condition Code ( CCC ). 
Why : If a 30-day late is reported anywhere, Metro 2 requires accurate PHP sequence XXXX XXXX ) and aligned AS/PR. Cross-bureau conflict = inaccurate/incomplete. 
XXXX. XXXX XXXX Revolving Acct # XXXX Quote ( TU ) : Comments : Dispute resolved reported by grantor.

Law : 611 ( a ) ( 1 ) ( A ) ( reasonable reinvestigation ) ; XXXX v. TransUnion, XXXX XXXX XXXX. 
Metro 2 : CCC ( XB/XF/XR cycles ), Consumer Information Indicator ( CII ), Date of Account Information ( DAI ). 
Why : A furnishers conclusory resolved is not independent verification ; CRA must obtain business-records evidence. 
XXXX. XXXX XXXX Revolving Acct # XXXX Quote ( TU ) : same Dispute resolved reported by grantor.

Law/Metro 2 : same as above. 
Why : Requires independent verification, not acceptance of furnisher code. 
XXXX. XXXX XXXX XXXX Mortgage Acct # XXXX Quote ( TU ) : Payment Status : Paid or paying as agreed while XXXX  shows Account transferred to another office. 
Law : 607 ( b ). 
Metro 2 : AS ; Special Comment ( SC AU/AC transfer ) ; Portfolio Type ( Real Estate ). 
Why : Same mortgage can not simultaneously be paying as agreed and transferred. Harmonize or delete. 
XXXX. XXXX XXXX ( XXXX. XXXX  ) Collection Acct # XXXX Quote ( TU ) : Comments : Placed for collection ; Balance : {$14000.00}. 
Law : 623 ( a ) ( 1 ) ( A ) ( no inaccurate/incomplete furnishing ) ; 607 ( b ).

Metro 2 : Portfolio Type ( Collection ), Original Creditor, DOFD, AS/PR, PHP. 
Why : Not reported to XXXX ; also missing DOFD and PHP sequence supporting collectability. 
XXXX. XXXX Revolving Acct # XXXX Quote ( TU ) : Balance : {$2000.00} ; Limit : {$0.00} ; High Credit : {$5300.00}. ( XXXX  show different balance/limit. ) Law : 607 ( b ).

Metro 2 : Current Balance ( CB ), Credit Limit ( CL ), High Credit ( HC ), DAI. 
Why : Cross-bureau mismatch on same cycle date = inaccuracy. 
XXXX. XXXX XXXX XXXX XXXX Installment ( multiple ) Quote ( TU ) : differing scheduled Monthly Payment figures vs. XXXX for same loans. 
Law : 607 ( b ).

Metro 2 : Scheduled Monthly Payment Amount ( SMPA ), Terms Duration ( TD ). 
Why : Payment amount must match the note ; mis-stated SMPA distorts DTI. 
XXXX. XXXX Open Account Acct # XXXX  Quote ( TU ) : Open account ; Limit {$0.00} ; High Credit {$370.00}. 
Law : 607 ( b ). 
Metro 2 : Portfolio Type ( Open/Rev/Inst ), Account Type ( AT ). 
Why : Open account usage must match product ; unclear mapping suggests mis-coding. 
C ) Inquiries ( Hard Pulls ) Quotes ( TU ) : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. 
Law : FCRA 604 ( permissible purpose ) ; 607 ( b ).

Metro 2 : Inquiry Type/Industry Code ; Date of Inquiry.

Why : Same-day auto shopping may be duplicative ; provide application/authorization or delete any unauthorized/duplicative pulls.

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