Consumer complaint received 2025-10-15 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:
This is a formal dispute under the Fair Credit Reporting Act. Your file contains multiple inaccurate, incomplete, and/or non-compliant entries that violate FCRA XXXX ( b ) ( maximum possible accuracy ) and XXXX ( 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ) ( A ) ). Under XXXX v. 
TransUnion ( XXXX XXXX XXXX ), you must conduct an independent reinvestigationmere parroting of a furnishers codes is not sufficient. RegulationXX/XX/XXXX ( XXXX XX/XX/XXXXXXXX ) likewise requires furnishers to reasonably investigate and correct. 
I dispute the following tradelines and every late mark shown. For each, I demand running statements/ledgers showing statement cut date, due date, receipt date, and posting date for every alleged delinquency. Metro 2 cXX/XX/XXXXes are not proof. If the furnisher can not produce documentary proof meeting that standard, you must delete the derogatory data or delete the entire tradeline. 
Disputed TransUnion Tradelines & Specific Defects XXXX. XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. ending XXXX ( Closed ) o Your file shows : Paid or paying as agreed, but Payment History Profile shows a XXXXday late in XX/XX/XXXX ; other bureaus do not match. 
o All late months disputed : XX/XX/XXXX ( XXXX ). 
o Defects : Inconsistent inter-bureau reporting ( XXXX shows XX/XX/XXXXXX/XX/XXXXday ; XX/XX/XXXX shows no late ) ; failure to maintain uniform factual status ; potential mis-coding of Payment History Profile.

o Metro 2 breaches : Field XXXX Account Status, XXXX Payment History Profile, XXXX Date of Account Information ( staleness/incorrect month ), XXXX Compliance Condition CXX/XX/XXXXe ( should reflect active dispute during reinvestigation ), XXXX FCRA Compliance/XX/XX/XXXX ( not disclosed though delinquency cXX/XX/XXXXed ). 
o Legal : FCRA XXXX ( b ) ; XXXX ; XXXX XXXX XXXX ( b ). XXXX demands independent verification beyond code echoes. 
XXXX. XXXX XXXX XXXX Acct. ending XXXX ( Charged-off ) XXXX closed revolvers ( opened XX/XX/XXXX and XX/XX/XXXX ) o Your file shows : Charged off as bad debt, Current Balance {$24000.00} / {$24000.00} and Past Due reported equal to balance ; Dispute resolved; customer disagrees. 
o All late months disputed : XX/XX/XXXXfor XX/XX/XXXX every month shown as XX/XX/XXXX ). 
o Defects : Reporting Past Due on a charge-off ( Metro 2 instructs XX/XX/XXXX should not continue accruing Amount Past Due once charged off ) ; missing or undisclosed XX/XX/XXXX ; potential re-aging ; failure to accurately reflect Settled/Closed attributes ; balance slightly exceeds credit limit ( fees/interest must be documented ). 
XXXX Metro 2 breaches : XXXX Amount Past Due, XXXX Current Balance, XXXXXX/XX/XXXXXXXX Account Status / XXXX Payment Rating, XXXX XXXX XXXX vs. XXXX High Credit, XXXX Special Comment ( dispute cXX/XX/XXXXng ), XXXX Date of Account Information. 
o Legal : XXXX ( b ), XXXX, XXXX XXXX XXXX ; XXXX. 
XXXX. XXXX XXXX XXXX Acct. opened XX/XX/XXXX ( Closed/Charge-off ) o Your file shows : Charged off as bad debt, Balance/Past Due {$14000.00} ; Payment History shows escalating delinquencies. 
o All late months disputed : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). 
o Defects : Past Due improperly reported on a XX/XX/XXXX ; missingXX/XX/XXXX ; potential reaging via ongoing severe lates after XX/XX/XXXX ; need ledger proof for each late. 
o Metro 2 breaches : XXXX Amount Past Due, XXXX XX/XX/XXXXXXXX Payment History Profile, XXXX Date of Account Information, XXXXXX/XX/XXXX ( failure to reflect active dispute coding during reinvestigation ). 
o Legal : XXXX ( b ), XXXX ; XXXX XXXX XXXX ; XXXX. 
XXXX. XXXX XXXX Acct. ending XXXX ( Closed ) o Your file shows : Payment after charge off/collection, comments Settled ; less than full balance, balance {$0.00}. Inter-bureau contradictions exist ( XXXX : legally paid in full for less than the full balance ; XXXX still shows Charge-off into XXXX ). 
o All late months disputed : Any derogatory/XX/XX/XXXXXX/XX/XXXX history associated with this account, including any months encoded as delinquent leading to XX/XX/XXXX ( not fully displayed here ) are all disputed. 
o Defects : Post-settlement derogatory continuation/inconsistent terminal status ; missing XX/XX/XXXX ; need proof of the alleged delinquency chain. 
XXXX Metro 2 breaches : XXXX Account Status ( should reflect Paid/Settled with no ongoing derogatory ), XXXX Payment Rating, XXXX XX/XX/XXXX XXXX Date of Account Information ( avoid re-aging ). 
o Legal : XXXX ( b ), XXXX ; XXXX 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