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:
Re : File of [ Your Name ] CBA XXXX ( XXXX ) Acct XXXX * Demand for Reinvestigation & Deletion TransUnion is publishing a collection as an Open account with MEDICAL and balance {$1700.00} ( Last Reported XX/XX/XXXX ). This is materially misleading and non-Metro XXXX compliant. 
I dispute all derogatory months : I dispute every month this tradeline has been coded XXXX since XX/XX/XXXX through XXXX. 
XXXX & XXXX XXXX breaches : FCRA 607 ( b ) ; 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ) ; 623 ( a ) ( 5 ) ( DOFD required ) ; Reg V, 12 C.F.R. 1022.42 ( a ). Metro 2 : Portfolio Type ( F7 ) must be Collection ; Account Type ( F10 ) = 93 ( Collection ) ; FCRA Compliance/DOFD ( F25 ) must be supplied ; Past Due ( F27 ) is inapplicable to collections ; Compliance Condition Code/Dispute XB ( F39 ) must be present. 
Demand : XXXX XXXX v. TransUnion, XXXX XXXX XXXX, obtain independent verification and produce running statements/ledger proving, for each reported derog month, the contractual due date, date payment was received, and date posted. Reporting codes are not proof. If you can not verify to that standard, delete the derogatory data or the entire tradeline per 1681i ( a ) ( 5 ) ( A ). 
Noncompliance will trigger complaints to the XXXX XXXX and suit under 15 U.S.C. 
XXXX. 
Enclosures : Govt ID ; recent utility/bank statement ; highlighted TU pages for this item. 
XXXX ) TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct XXXX XXXX : [ same block as above ] This is a collection yet it is being treated with trade-line behaviors ( e.g., not coded as Account Type XXXX ; absence of proper DOFD transmission ). 
I dispute all derog/CO months : All months reported as CO/collection/derog from XX/XX/XXXX to present. 
XXXX XXXX XXXX FCRA 607 ( b ), 611 ; 623 ( a ) ( 5 ) ; XXXX XXXX XXXX ; FDCPA 1692e ( 8 ) ( collector must communicate dispute ). XXXX XXXX fields at issue : F7 ( Portfolio Type=Collection ), F10 ( 93 ), F24 ( PHP not applicable to collections ), F25 ( DOFD ), F27 ( Past Due inapplicable ), F39 ( XB dispute ).

Demand/Remedy : Provide ledger ( due date receipt posting ) for each month ; codes are not proof. Correct to XXXX or delete under 1681i ( a ) ( 5 ) ( A ) if you can not independently verify ( XXXX ) XXXX 
Enclosures : ID ; address proof ; TU pages. 
XXXX ) TransUnion XXXX XXXX XXXX ( COBB/Kennestone ) XXXX XXXX / XXXX / XXXX From/Date/CMRRR : [ same block ] These are medical collections mis-handled as trade lines ( e.g., Open account ) and lacking clear DOFD ; Experian reflects monthly CO strings ( impermissible for XXXX ). 
I dispute all derog months : For each acct, I dispute every month reported as CO/derog/collection from the Date Opened ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) through present. 
XXXX XXXX XXXX 607 ( b ), 611, 623 ( a ) ( 5 ) ; Reg V 1022.42 ; Metro 2 F7, F10 ( 93 ), F24 ( not for collections ), F25 ( DOFD ), F27 ( inapplicable ), F39 ( XB ).

Demand : Running statements/ledger for each month ; codes proof. Correct formatting with DOFD or delete ( 1681i ( a ) ( 5 ) ( A ) ; Cushman ). 
Enclosures : ID ; address ; TU pages. 
4 ) TransUnion XXXX ( XXXX ) Acct XXXX From/Date/CMRRR : [ same block ] You show Open account Placed for collection with {$97.00} balance. That is a misclassification ; it must be a collection with DOFD, not a trade. 
I dispute all derog months : All months reported as derog/collection since XX/XX/XXXX. 
XXXX XXXX XXXX 607 ( b ), 611, 623 ( a ) ( 5 ) ; Reg V 1022.42 ; FDCPA 1692e ( 8 ) ; Metro-2 F7 , F10=93, F25, F39.

Demand : Ledger; independent verification ( XXXX XXXX Correct to collection format or delete ( 1681i ( a ) ( 5 ) ( A ) ).

Enclosures : ID ; address ; TU pages.

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