Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
Subject : Formal Dispute of Inaccurate/Unverifiable Reporting, Mixed-File Elements, and Permissible-Purpose Certification for Inquiries Demand for Reinvestigation under FCRA 611 and Compliance with 607 ( b ), 604, 605 ( a ), 623, and GLBA TransUnion, I am disputing the items below as inaccurate, incomplete, inconsistent across bureaus, obsolete, or otherwise not in compliance with the FCRA and XXXX. This is a formal request for reinvestigation under 15 U.S.C. 1681i ( FCRA 611 ) and a demand that you maintain maximum possible accuracy under 1681e ( b ) ( FCRA 607 ( b ) ). For each item, you must conduct an independent reinvestigation ( see Cushman v. TransUnion, 115 F.3d 220 ) and obtain primary source records ( statements/ledgers showing due dates, receipt, posting, and aging logic ) mere codes are not proof. If unverifiable to that standard, delete the item or the entire tradeline and send me written results plus the method of verification and the furnisher contact you used. 
XXXX ) Personal Information ( mixed/variant data remove/correct ) Name variants : Report lists XXXX XXXX XXXX ( XXXX XXXX while other bureaus use XXXX XXXX. Remove any incomplete/incorrect AKAs not supplied by me. 
Address variance : TU  shows XXXX XXXX while my correct mailable address is XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. Correct the full address format and XXXX. 
Employers : XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) are outdated and not relevant to present credit risk. Remove obsolete employer entries. 
Legal basis : FCRA 607 ( b ) ( maximum possible accuracy ) ; 611 ( a ) ( 1 ) ( A ) ( reinvestigation ). 
XXXX ) Mortgage Tradelines Status/remark conflicts and cross-bureau inconsistencies A ) XXXX XXXX  ( Acct ending XXXX ) TU : Closed due to refinance ( XX/XX/XXXX ), current ; XXXX  shows Paid/Closed ; XXXX wrongly shows Open/Current and Consumer disputes reinvestigation in progress. TU must align with verifiable furnisher records and flag the cross-bureau inconsistency. If records dont reconcile, suppress conflicting fields and demand furnisher correction. 
B ) XXXX XXXX  ( Acct ending XXXX ) TU : Closed/Transferred ( XX/XX/XXXX ) with heavy historic late buckets noted in XXXX ; XXXX show Open/Current plus XXXX  shows an active dispute flag. A tradeline can not simultaneously be closed/ transferred and open/current. Demand uniform, evidence-based status with accurate DoLA/DoFD and remarks. If the furnisher can not produce primary statements/transfer documents, delete. 
Legal basis : FCRA 607 ( b ), 611 ( a ) ; duties of furnishers under 623 ( a ) ( 1 ) ( A ) and 623 ( b ) to correct and update ; Metro-2 : base segment fields for Account Status, Payment Rating, Compliance Condition ( dispute codes ), Special Comment/Remarks, Date of First Delinquency ( K ) must be consistent. 
XXXX ) Revolving/Charge-Off Tradelines remark/status conflicts ; potential re-aging A ) XXXX XXXX XXXXXXXX ) TU shows Collection/Chargeoff ; Payment after chargeoff ; Settled < full ; XXXX  shows Late XXXX  Days ; legally paid in full for less than full ; XXXX  shows Derogatory ; Paid charge-off ; Settlement accepted. Conflicting statuses/remarks and progression increase risk of re-aging if dates/amounts dont reconcile. Provide full ledger and DoFD ; if you or the furnisher can not substantiate, delete. 
XXXX ) XXXX  XXXX ( XXXX ) TU : Payment after chargeoff ; Dispute resolved; reported by grantor ; XXXX : Account was in dispute now resolved ; Unpaid loss ; Legally paid in full < full ; XXXX  : Settlement accepted. These are mutually inconsistent outcomes for a single account. Provide the actual settlement letter/transaction and XXXX  ; otherwise delete. 
C ) XXXX ( XXXX ) Appears only on XXXX  as a derogatory charge-off with late buckets into XXXX though origination was XXXX. XXXX shows no tradeline ; cross-bureau asymmetry requires proof that reporting meets XXXX obsolescence rules under 605 ( a ) and that late-bucket aging is tied to a single, original DoFD with no improper re-aging. If not, delete. 
Legal basis : FCRA 605 ( a ) ( obsolescence ), 607 ( b ), 611 ; 623 ( a ) ( 2 ) duty to update/correct ; XXXX XXXX XXXX XXXX Payment History Profile, Compliance Condition Codes, Special Comment must align. 
XXXX ) Auto Loan dispute-flag remnants and late buckets XXXX XXXX XXXX ( XXXX ) TU remark : Dispute resolved; reported by XXXX with XXXX lates in the XXXX history. Provide ledger ( due date vs. posting/receipt ) for each alleged late ; remove any residual dispute codes and any unsubstantiated lates. If not verified by primary records, delete lates or the entire tradeline. 
XXXX ) Authorized-User / Third-Party Accounts XXXX ( Authorized User ) Ensure this XXXX  line does not factor adverse history and that XXXX Consumer Information Indicator reflects XXXX status accurately with no late attribution to me. Remove if the furnisher can not certify permissible, authorized reporting. 
XXXX ) Inquiries certification of permissible purpose ( FCRA 604 ) XXXX XX/XX/XXXX ( TU ) XXXX XX/XX/XXXX ( XXXX  ) ( listed here for completeness across bureaus ) Provide the exact permissible-purpose category under 604 ( a ) ( 3 ), the application/transaction tying my written instruction or a firm credit offer ( if a soft prescreen ), and the source of my data. If you can not certify permissible purpose with documentary evidence, delete the inquiry and send written confirmation. 
XXXX ) Data-Breach & Security Demands ( GLBA & FCRA ) Given ongoing industry-wide data incidents, I demand : A statement whether my file or any data used to furnish these tradelines was impacted by any security incident or breach, and if so, the date, data elements, impacted furnisher, and remediation ; The source of any non-traditional/self-reported utility/insurance data and your legal basis to include it ( provide the furnisher contracts and XXXX/industry format used ) ; Immediate suppression of any data reasonably believed to be compromised, per your duties to ensure accuracy and protect consumer information ( FCRA 607 ( b ) ; XXXX  XXXX administrative, technical, and physical safeguards ).

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