Consumer complaint received 2025-10-07 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: AL

Complaint narrative:
I dispute this account and every late month ( all XXXX codes in the XXXX XXXX XXXX ). Your file shows Account Type : Installment / Collection-Installment, Past Due : {$18000.00}, Collection account, Was 90 days late 04 time ( s ), Date Opened XXXX with last payment XXXX. 
Collections can not be coded as installment, can not carry Amount Past Due, and may not show monthly late grids. DOFD must be furnished.

Law : FCRA 607 ( b ) ; 611 / 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ; Cushman v.

TransUnion, 115 F.3d 220 ( independent verification required ) ; Reg V 12 C.F.R. 1022.42 .43 ; FDCPA 1692e, 1692e ( 8 ), 1692f.

Metro 2 fixes : Portfolio/Account Type = Collection ; Amount Past Due = {$0.00} ; Sched. Pmt = {$0.00} ; no PHP lates ; FCRA DOFD present ; proper CCC XB while under dispute.

Demand : Provide running statements/ledger proving due date, receipt, and posting for each late month. Codes are not proof. If you can not independently verify to Cushman standards within FCRA timelines, delete the derogatory data or the entire tradeline. I will file CFPB/FTC/AG complaints and pursue remedies under 15 U.S.C. 616617 if not cured.

Enclosures : ID, proof of address, highlighted TransUnion pages. 
XXXX ) XXXX XXXX XXXX ( Open auto ; {$0.00} scheduled payment ; past due = full balance ) Re : XXXX XXXX XXXX XXXX | Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the account and all late months. Your entry shows Open, Monthly Payment : {$0.00}, Past Due = {$26000.00}, Balance : {$26000.00}, Account delinquent 180 days past due date, Was 90 days late 25 time ( s ).

An open installment can not have {$0.00} scheduled payment unless lawfully accelerated ; if accelerated/CO , status/amounts must reflect that, and DOFD must be supplied. Original Loan Amount ( not High Credit ) must be properly populated.

Law : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ; Cushman ; Reg V 1022.42.43.

Metro 2 fixes : Correct Sched. Pmt, Account Status/Payment Rating, Original Loan Amount, DOFD, and dont use Past Due as a proxy for full principal.

Demand : Send ledgers ( due/receipt/posting ) for every late month. Codes are not proof. If you can not independently verify, delete derogatories or the tradeline. Non-compliance CFPB/FTC/AG complaints and XXXX XXXX XXXX. 
Enclosures : As above. 
XXXX ) XXXX XXXX ( charge-off still showing Past Due ) Re : Reinvestigation XXXX XXXX ( XXXX ) | Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your report shows Charged off account, Balance {$23000.00}, Past Due {$23000.00}. After a charge-off, XXXXmount Past Due = {$0.00} and Sched. Payment = {$0.00} ; any ongoing past due is inaccurate. DOFD and Original Charge-Off Amount must be present.

Cites & Demand : Same authorities as above. Provide running statements/ledger for all late codes ; codes are not proof. If not independently verified, delete the past-due entry and correct, or delete the tradeline.

Enclosures : As above. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX High Credit/Original Loan Amount ) Re : XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The OC shows charged-off/sold ; your bureaus High Credit/Original Loan Amount is inconsistent with other CRAs ( one CRA shows {$0.00}, others {$28000.00} ). Post-sale, balance should be {$0.00} ( OK ) but historical amount must be accurate/consistent. 
Cites : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ) ; Reg V 1022.42.43.

Metro 2 : Original Loan Amount/High Credit and Sold/Transferred comment must be correct.

Demand : Correct or delete, and provide ledgers for all months coded late. If not independently verified per Cushman, delete.

Enclosures : As above. 
XXXX XXXX XXXX XXXX XXXX ( closed account mis-coded Negative/NoDataAvailable ) Re : Reinvestigation XXXXXXXX XXXX Finance | Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your file shows Negative / Payment Status : NoDataAvailable / Closed, while another CRA shows Positive/Closed. A closed/paid auto account should not be negative with NoDataAvailable. 
Cites : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ) ; Reg V 1022.42.43.

Metro 2 : Account Status ( Closed/ {$0.00} ), Payment Rating/PHP, Current Balance must be accurate.

Demand : Correct to Closed/ {$0.00} with accurate Payment Rating/PHP or delete ; provide ledgers for any months you coded late. Codes are not proof.

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 explanation