Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I dispute the accuracy and completeness of the following tradelines on my TransUnion consumer report and request a lawful reinvestigation under FCRA 611 ( a ). The items below contain inaccurate, incomplete, contradictory, and/or unverifiable information, violating FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( b ) and Regulation V ( 12 C.F.R. Part 1022 ). They also raise GLBA data-privacy/safeguards concerns given persistent industry breaches. 
Accounts in Dispute ( TransUnion file ) XXXX. XXXX ( XXXX ) shows Open with Past Due {$150.00}, Late 60 days within a 3- month term, and Was 30 late 1x. 
o Issues : Delinquency coding vs. term structure appears inconsistent ; verify Date of First Delinquency ( DOFD ), Payment History Profile, Date of Last Payment, Date Reported, Past Due math ; provide ledger proving due-date, receipt, and posting dates. 
o FCRA/Metro 2 : 607 ( b ) ( max possible accuracy ), 623 ( a ) / ( b ) ( furnisher duties ) ; inaccurate Account Status/Payment Rating/Payment History ; XXXX XXXX. 
XXXX. XXXX  ( XXXX ) similar inconsistencies ( Open, Past Due {$96.00}, Late 60 days, 3- month term ). 
o Same violations/requests as # XXXX. 
XXXX. XXXX XXXX XXXX. ( orig. XXXX XXXX ) Collection/Installment o Issues : Conflicting dates ( Date Opened XX/XX/XXXX ; Date Last Active XX/XX/XXXX ; other bureau shows XXXX activity ). Past Due reflected differently by bureau. 
o FCRA/Metro 2 : 607 ( b ), 623 ( b ) ( reasonable reinvestigation ) ; verify assignment/chain of title, original agreement, itemized balance, DOFD, Date Opened logic for a collection. 
XXXX XXXX XXXX XXXX XXXX. ( XXXX ) coded As Agreed/Open, yet Status shows Negative. 
o Issues : Misclassification ( reporting good-standing text as negative ).

o FCRA/Metro 2 : 607 ( b ) accuracy ; Account Status and Compliance Condition Code must not mislead. See XXXX XXXX XXXX & XXXX ( misleading but technically accurate data can still violate FCRA ). 
XXXX. XXXX ( XXXX ) Late 90 days with multiple 30/60 lates. 
o Issues : Confirm DOFD, Payment History Profile, Past-due math, and Date of Last Payment ( differs by bureau ). Provide actual statements/ledger. 
XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX Collection/Installment. 
o Issues : Unpaid balance reported as a loss by credit grantor, yet shown as collection ; provide contract, assignment, itemization, DOFD. 
XXXX. XXXX XXXX XXXX Collection/Installment. 
o Issues : Conflicting Date Last Active and Date of Last Payment ( another bureau shows XX/XX/XXXX ) ; inflated late counters ( Was 90 late 29x ) are nonsensical for a collection ; provide assignment, itemization, DOFD. 
XXXX. XXXX XXXX Charged-off/collection coding with contradictory High Credit entries ( {$18.00} vs. {$210.00} ) across bureaus. 
o Issues : Inconsistent High Credit/Balance/Past Due ; provide ledger and DOFD. 
XXXX. XXXX & XXXX ( XXXX ) Collection. 
o Issues : Refinanced vs. collection coding across bureaus ; provide assignment/authorization, itemization, DOFD. 
XXXX. XXXX XXXX XXXX Account previously in dispute now resolved plus heavy lates.

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