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:
TransUnion is publishing false and misleading information : Your file states : Account Type : Open account Comments : Placed for collection Balance {$230.00} Date Last Active XX/XX/XXXX. A collection can not be reported as a consumer open account. 
Law & Metro 2 breaches : FCRA : 607 ( b ) ; 611 ( incl. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ).

Reg V : 12 C.F.R. 1022.42 ( a ) ( b ) ( accuracy/integrity ). 
Metro 2 fields : Field XXXX Account Type ( should be XXXX = Collection ), Field XXXX Portfolio Type ( C ), Field XXXX Open/Closed, Field XXXX FCRA Compliance/Date of First Delinquency ( DOFD ) ( missing ), Field XX/XX/XXXX ( Special Comment/Compliance Condition ). 
Dispute ( all late months ) : I dispute each and every month you coded XXXX on this tradelineall months in your grid are in dispute. 
Demand : Provide running monthly statements and the complete ledger showing, for each disputed month, the contractual due date, date received, and date posted. Metro 2 codes are not proof. Under XXXX v. TransUnion, 115 F.3d 220, you must obtain independent verification, not regurgitate a furnishers say-so. If you can not verify to that standard, delete the derogatory data or the entire tradeline pursuant to 1681i ( a ) ( 5 ) ( A ). 
Failure will trigger XXXX XXXX complaints and litigation under FCRA 616617. 
Enclosures : ID, address proof, copy of TU page for this tradeline. 
2 ) TransUnion XXXX XXXX ( XXXX / XXXX ) balance vs XXXX XXXX ; deferment integrity ; dates To : TransUnion LLC, XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : XXXX XXXX ( Accts XXXX, XXXX ) Your report shows Payment deferred while the Current Balance exceeds High Credit/Original Amount ( e.g., {$2800.00} vs {$1600.00} ; {$6800.00} vs {$4200.00} ). If capitalization/consolidation changed principal, Metro 2 must still accurately reflect original amount and dates. 
Law & Metro 2 : FCRA 607 ( b ), 611 ; Reg V 1022.42 ( b ) ( 1 ) ; Fields : 12 Original Loan Amount/High Credit, 21 Current Balance, 24 Payment History Profile ( PHP ), 17A/17B, 71 Date of Account Information, 30 Date of Last Payment. 
Dispute ( all late months ) : I dispute every month you coded 30/60/90/120/CO on these loans all lates in your grid are disputed. 
Demand : Produce running statements + full loan ledger ( disbursements, capitalizations, forbearance/deferment windows ) proving due date receipt posting for each disputed month. Codes proof. XXXX XXXX, obtain independent verification or delete/correct under 1681i ( a ) ( 5 ) ( A ). Remedies reserved ( 616617 ; CFPB/FTC/AG ) . 
Enclosures : ID, address proof, TU pages for both accounts. 
XXXX ) TransUnion XXXXXXXX XXXX XXXX XXXX XXXX  & XXXX XXXX ) To : TransUnion LLC XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Re : XXXXXXXX XXXX XXXX  Acct XXXX ) You display a charge-off and a large Past Due but fail to show the DOFD on your disclosure. 
Law & Metro 2 : FCRA 623 ( a ) ( 5 ) ( furnisher must supply DOFD ), 607 ( b ), 611 ; Reg V 1022.42. Fields : 25 DOFD, 27 Amount Past Due, 21 Current Balance, 24 PHP, 17A/17B, 71. 
Dispute ( all late months ) : I dispute all months you coded 30/60/90/120 and CO on this account. 
Demand : Provide running statements/ledger proving due date receipt posting for each disputed month and the exact XXXX you are using. Codes are not proof. If you can not independently verify per XXXX, delete the derogatory data or the entire tradeline under 1681i ( a ) ( 5 ) ( A ). Escalation : XXXX and suit under 616617. 
Enclosures : ID, address proof, TU XXXX page. 
XXXX ) TransUnion XXXX XXXX XXXX XXXXXXXX ) recent 30-day lates To : TransUnion LLC , XXXX. XXXX XXXX, XXXX, PA XXXX Re : XXXX XXXX ( Acct XXXX ) Your grid shows two 30-day lates in XXXX ( you coded multiple 30 entries ). I dispute the entirety of your late coding. 
Law & Metro 2 : FCRA 607 ( b ), 611 ; Reg V 1022.42 ( b ) ( 1 ) ; Fields : 24 PHP, 17B Payment Rating, 39/42, 71. 
Demand : Running statements/ledger for each late month ( due date receipt posting ). 
Codes proof. If not independently verified per XXXX, delete the late data or the tradeline under 1681i ( a ) ( 5 ) ( A ). Remedies reserved ( XXXX XXXX XXXX XXXX XXXX 
Enclosures : ID, address proof, TU page.

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