Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
I am disputing multiple inaccurate, incomplete, and misleading items on my TransUnion file dated XX/XX/XXXX. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you must assure maximum possible accuracy. Under FCRA 611 [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], you must conduct a reasonable independent reinvestigation ; XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms you can not merely parrot a furnishers codes. If any item below can not be verified with competent documentary evidence ( not codes ), delete it in full per 611 ( a ) ( 5 ) ( A ). I also reserve claims under FCRA 616617 and will file complaints with the CFPB/FTC/AG if these violations persist. 
A. Identity/Header Inaccuracy Defect : Name is reported as XXXX XXXX XXXX here, while other bureaus omit the middle initial. 
Why inaccurate : Identifier inconsistency risks mixed files and merges. 
Metro 2 breach : Field 01 ( Name ) / Middle Initial consistency. 
Law : FCRA 607 ( b ) ; furnishers duty under Reg V, 12 C.F.R. 1022.42 ( a ). Demand : Standardize to a single, correct legal name across the ecosystem or provide proof of your chosen format. 
XXXX XXXXXXXX  XXXX Acct # XXXXXXXX XXXX XXXX ( Revolving ) * * Reported : Status Current, yet two-year history shows severe delinquencies ( e.g., 30/60/90/120 codes ). 
Why inaccurate/misleading : A Current status can not coexist with unsubstantiated severe lates ; months and severities do not align with uniform reporting. 
Metro 2 breaches : Field 11 ( Account Status ), Field 12/17 ( Payment Rating ), Field 18 ( Payment History Profile ).

Law : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ) ; Reg V 1022.42 ( a ). All late months are disputed : every month within the two-year grid coded 30/60/90/120/150/180. Verification required : Produce running monthly statements/ledger showing due date, actual receipt date, and posting date for each late month. Codes are not proof. If not produced, delete the late codes or the entire tradeline under 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  ( Charge Account ) * * Reported : Two-year history shows 60/30 late codes on TU ; conflicting with other bureaus.

Metro 2 breach : Field 18 inconsistencies vs. peers ; incomplete cross-bureau parity.

Law : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ).

All late months are disputed.

Verification required : Running statements/ledger ( due/receipt/posting ). Delete derogatory coding or tradeline if not independently verified. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  ( Credit Card ) * * Reported : TU shows 30/60/90/120 lates ; cross-bureau fields ( e.g., credit limit, months ) conflict. 
Metro 2 breach : Field 27 ( Credit Limit ), Field 18 ( History ).

Law : FCRA 607 ( b ) ; 611 ( a ) ( 5 ) ( A ) ; XXXX XXXX XXXXXXXX XXXX  XXXX ( materially misleading reporting ). 
All late months are disputed. 
Verification required : Provide ledger or delete the derogatories/tradeline. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  ( Revolving ) * * Reported : TU shows sustained 30/60/90/120 late codes while another bureau omits entire history.

Why inaccurate : Cross-system inconsistency indicates unverifiable data here.

Metro 2 breach : Field 18 ; completeness requirement.

Law : FCRA 607 ( b ) ; 611 ( a ) ( 5 ) ( A ).

All late months are disputed.

Verification required : Running statements/ledger or delete. 
XXXX XXXX Multiple student loans Acct # XXXXXXXX XXXX XXXX ( Installment ) * * Reported : Mix of 90/120/150/180 codes across months ; conflicts with Open/Paid status on peers.

Metro 2 breach : Field 11 ( Status ), Field 12/17 ( Payment Rating ), Field 18 ( History ) inconsistencies ; some months missing.

Law : FCRA 607 ( b ) ; 611 ; Reg V 1022.42 ( a ).

All late months are disputed.

Verification required : Produce ledger/servicer records for each late month with due, receipt, and posting. Codes are not proof. If not provided, delete the lates or tradeline. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX  ( Auto Lease ) * * Reported : Collection/Chargeoff, large past due, but payment history sequencing appears inconsistent versus peer bureaus. 
Metro 2 breach : Field 28 ( Original/High Credit ) incongruent across bureaus ; Field 18 sequencing.

Law : FCRA 607 ( b ) ; 611 ; Reg V 1022.42 ( a ).

All late months are disputed.

Verification required : Full contract, billing history, default/charge-off accounting, and ledger. If not produced, delete derogatories or tradeline. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX ( Revolving ) * * Reported : TU Closed with XXXX limit ; another bureau shows Open with {$49000.00} limit. 
Why inaccurate : Mutually exclusive statuses. 
Metro 2 breach : Field 11 ( Status ), Field 27 ( Credit Limit ).

Law : FCRA 607 ( b ) ; 611 ( a ) ( 5 ) ( A ).

Demand : Harmonize with documentary proof or delete.

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