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:
TransUnion, you are publishing : Account Type : Collection Installment Status : Refinanced Balance : {$10000.00} Placed for collection. That presentation is false, misleading, and non-Metro 2-conforming. 
Violations & Metro 2 breaches ( you must correct or delete ) : Misclassification : a third-party collection can not be coded as an installment loan. 
Metro 2 : Portfolio Type/Account Type. 
Prohibited statuses/amounts : collections can not show Refinanced, Monthly Payment, or Amount Past Due ( must be {$0.00} ). 
Metro 2 : Account Status ; Scheduled Monthly Payment Amount ; Amount Past Due ; Payment History Profile ( blank for collections ).

Missing/unclear FCRA Date of First Delinquency ( DOFD ) and Original Creditor details. 
Metro 2 : FCRA Compliance/Date of First Delinquency ; Original Creditor Name.

All late months are disputed. Provide running statements/complete ledger proving, for each month coded XXXX, the contractual due date, date received, and posting date. 
Metro 2 codes are not proof.

Law : FCRA 607 ( b ) ( maximum possible accuracy ) ; 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 5 ) ( A ) ; Reg V 12 C.F.R. 1022.42.43 ; XXXX  v. TransUnion, 115 F.3d 220 ( independent verification required ). If you can not independently verify to XXXX  standards, you must delete the tradeline in full. 
If not corrected within the FCRA timeline, I will file complaints with CFPB/FTC/State AG and pursue civil claims under 15 U.S.C. 616617. 
Enclosures : Govt ID ; proof of address ; highlighted TU report page showing this tradeline ; Exhibit D ( ledger demand ). 
XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXt ) TU RE : Reinvestigation Demand XXXX XXXX XXXX XXXX XXXX | TU Acct ( XXXX ) : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], plus an Untitled { CollectionOrChargeOff, Collection Installment } entry You are reporting multiple, duplicative, and mis-coded collection entries, including Refinanced and even Monthly Payment {$5.00} all impermissible for collections. 
Corrective points : One accurate collection entry only ; delete duplicates ( including the Untitled item ). 
Remove Refinanced status ; set Monthly Payment = {$0.00} ; Amount Past Due = {$0.00} ; PHP blank. 
Metro 2 : Account Status ; Scheduled Monthly Payment Amount ; Amount Past Due ; Payment History Profile. 
Ensure DOFD is furnished ; keep Original Creditor consistent.

Metro 2 : FCRA DOFD ; Original Creditor Name. 
All late months disputed ; running statements/ledger demanded ( codes proof ). Apply FCRA 607 ( b ), 611 ; Reg V ; XXXX. Delete unverifiable data ; otherwise expect CFPB/FTC/AG action and suit under 616617. 
Enclosures/CMRRR ( same as Letter XXXX ) XXXX ) XXXX XXXX TU RE : Reinvestigation XXXX XXXX | TU Acct : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Collection is shown as Collection Installment Placed for collection Balance {$900.00} without clear DOFD and with loan-type presentation. 
Fix : code strictly as collection, Past Due = {$0.00}, Monthly Payment = {$0.00}, PHP blank, and furnish DOFD.

Law/XXXX  as above. All late months disputed ; ledgers required. Delete if unverifiable. 
Enclosures/CMRRR XXXX XXXX XXXX XXXX XXXX XXXX + collector ) TU RE : Reinvestigation XXXX XXXX  XXXX TU Acct ( s ) : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] You are showing OC and collector both with balances ( and Past Due {$1800.00} ), which is double-counting. 
Metro 2 : When placed/sold, OC must report {$0.00} balance and Sold/Transferred ; only the collector reports a balance ; collection must not show Past Due or a consumer PHP ; DOFD furnished XXXX 
Law : FCRA 607 ( b ), 611, 623 ( a ) ( 2 ) ; Reg V ; XXXX. All lates disputed ; ledgers demanded ; delete if unverifiable. 
Enclosures/CMRRR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX charged-off CC ) TU RE : Reinvestigation XXXX XXXX XXXX XXXX XXXX TU Acct XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] You show Charged off account Past Due : {$3000.00} and inconsistent High Credit/Credit Limit.

Metro 2 : After CO, Amount Past Due must be {$0.00} ; use Charge-Off Amount/Current Balance ; reconcile Credit Limit/High Credit across bureaus ; no post-CO late coding. DOFD required. 
Law/XXXX. All lates disputed ; ledgers required ; delete if unverifiable. 
Enclosures/CMRRR XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigation XXXX XXXX | TU Acct : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Charged-off account shows Past Due {$90.00} and multiple 90-day lates. Past Due must be {$0.00} post CO ; remove any post-CO lates ; furnish DOFD. All lates disputed ; ledgers demanded ; delete if unverifiable. 
Law/Metro 2XXXX as above. 
XXXX XXXX ) XXXX XXXX TU Same CO past-due defect and inflated late counts. Correct or delete under 611XXXX. 
All lates disputed ; ledgers demanded. 
Enclosures/CMRRR XXXX XXXX XXXX XXXX  / XXXX ( duplicates, CO ) TU RE : Reinvestigation XXXX XXXX  | TU Acct ( s ) : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Youre publishing duplicate CO tradelines with Past Due {$95.00} post-CO. 
Metro 2 : consolidate to one accurate tradeline ; Past Due = {$0.00} ; DOFD furnished. 
All lates disputed ; ledgers demanded ; delete if unverifiable. 
Enclosures/CMRRR XXXX XXXX XXXX XXXX XXXX XXXX XXXX duplicate COs ) TU RE : Reinvestigation XXXX | TU Acct ( s ) : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Duplicative CO entries and Past Due after CO. Consolidate ; Past Due = {$0.00} ; DOFD. All lates disputed ; ledgers demanded ; delete if unverifiable. 
Enclosures/CMRRR XXXX XXXX XXXX XXXX XXXX ( DepositRelated mis-coded + CO ) TU RE : Reinvestigation XXXX XXXX XXXX | TU Acct XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Reported as Installment/DepositRelated with charge-off and Past Due. 
Metro 2 : correct Portfolio/Account Type ( do not display as consumer installment ), Past Due = {$0.00} post-CO ; DOFD.

All lates disputed ; ledgers demanded ; delete if unverifiable. 
Enclosures/CMRRR XXXX ) XXXX XXXX XXXX XXXX XXXX ( two loans ) TU RE : Reinvestigation XXXX | TU Accts : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] & [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Each loan shows Balance greater than High Credit ( e.g., {$2200.00} vs High Credit {$1700.00} ; {$770.00} vs {$580.00} ), with long late histories inconsistent with Terms : XXXX. 
Metro 2 : Correct Original Loan Amount/High Credit, Payment Rating/PHP vs months reviewed XXXX furnish DOFD if defaulted. 
All late months disputed ; provide complete running statements/forbearance/IDR/CARES relief records ; delete if unverifiable. 
Law/XXXX  as above. 
Enclosures/CMRRR XXXX XXXX XXXX XXXX XXXX ( duplicate entries ) TU RE : Reinvestigation XXXX XXXX XXXX | Ref : XXXX You list three XXXX filings for the same reference number, with inconsistent court names and no Disposition Date. This is duplicative and inaccurate. 
Action : retain one accurate record only with correct court name, case number, filed date, disposition ; delete duplicates. Provide PACER docket.

Law : FCRA 607 ( b ), 611 ; XXXX. Non-compliance CFPB/FTC/AG XXXX XXXX XXXX

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