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:
dispute this entire tradeline and every late month. Your file shows : Account Type : Installment / CollectionInstallment / Open Telecommunication/Cellular Comments : Unpaid balance reported as a loss by credit grantor / Collection account Past Due : {$1100.00} Payment Status : CollectionOrChargeOff. A collection/charge-off can not carry Past Due > {$0.00} or installment terms.

Statutes/Cases : FCRA 607 ( b ) ; 611, incl. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & 1681i ( a ) ( 5 ) ( A ) ; Cushman v. TransUnion, 115 F.3d 220 ; Reg V 12 C.F.R. 1022.42.

Metro 2 corrections required : Amount Past Due = {$0.00} ; Scheduled Monthly Payment = {$0.00} ; proper collection/CO Account Type/Status ; accurate DOFD ; mark dispute ( CCC=XB ) during reinvestigation. 
I dispute all late months : every month you coded XXXX in the Payment History Profile ( PHP ) for this account. 
Demand : Provide running statements/ledger proving the contract due date, the payment receipt date, and the posting date for each alleged late. Codes are not proof. Under XXXX, your reinvestigation must be independentnot a rubber-stamp e-OSCAR code. If you can not verify to that standard within FCRA timelines, delete the derogatory data or the entire tradeline. 
If you fail to comply, I will file complaints with the XXXX XXXX and sue under 15 U.S.C. 616617.

Enclosures : Government ID ; proof of address ; highlighted TU pages showing the errors. 
Letter XXXX XXXX XXXX  XXXX XXXX CO with Past-Due ; re-aging ; balance/high-credit mismatch ) Re : Dispute XXXX XXXX XXXX, Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your file states Charged off account High Credit {$55.00} Balance {$490.00} Was 90 days late 24 time ( s ) with Payment Status : CollectionOrChargeOff. After CO, Past Due and Scheduled Payment must be {$0.00}, the XXXXHP can not extend 90-late strings beyond the DOFD, and an installment must show a correct Original Loan Amount/High Credit ( not a {$55.00} figure with a {$490.00} balance ).

Statutes/Cases : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 5 ) ( A ) ; 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ; Reg V 1022.42 ; Cushman. 
XXXX XXXX fixes : Past Due=0 ; Sched Pmt=0 ; correct Original Loan Amount/High Credit ; accurate DOFD ; PHP truncated at DOFD ; proper Payment Rating/Special Comment ; dispute code XB. 
I dispute all late months ( all XXXX in the PHP XXXX. 
Demand : Ledgers for each late ( due/receipt/posting ). Codes proof. Absent independent verification, delete. 
Enclosures : ID ; address proof ; marked TU pages. 
Letter XXXX XXXX XXXX ( auto ) ( balance > high credit ; late coding ) Re : Dispute FINBE INC, Acct. 101173 * * * * * * * * TU shows High Credit {$24000.00} ; Balance {$26000.00} ; Past Due {$260.00} ; Late30Days. A balance exceeding high credit/original amount without proper coding is internally inconsistent.

Statutes/Cases : FCRA 607 ( b ), 611 ; Reg V 1022.42 ; Cushman. 
XXXX XXXX : Correct Original Loan Amount/High Credit, align Account Status/Payment Rating, ensure DOFD exists for any lates and the PHP aligns to due/receipt/posting .

I dispute all late months.

Demand : Running statements/ledger for each alleged late ; codes arent proof. If not independently verified, delete.

Enclosures : As above.

Letter 4 Dept. of Education/Aidvantage ( duplicate/contradictory entries ) Re : Dispute DOE/Aidvantage loans opened XXXX XXXX XXXX XXXX multiple conflicting entries ) TU displays duplicate/fragmented loan segmentssome AsAgreed/Deferred, others Bankruptcy chapter XXXX / BankruptcyOrWageEarnerPlan XXXX Duplicative and contradictory statuses are inaccurate.

Statutes/Cases : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 5 ) ( A ) ; 623 ( a ) ( 1 ) ( A ) ; Reg V 1022.42 ; Cushman. 
XXXX XXXX : Harmonize Account Status/Payment Rating/Special Comment/CII ( deferment vs bankruptcy ), ensure correct DOFD where lates exist, and suppress duplicates ( only accurate, non-duplicative segments may remain ).

I dispute all late months shown anywhere within this loan family. 
Demand : Ledgers ( due/receipt/posting ) for each late ; if not independently verified, delete duplicates/derogatories.

Enclosures : As above.

Letter 5 Public Records ( duplicate bankruptcies ) Re : Dispute Duplicate Bankruptcy Entries ( Ref. XXXX ; Ref. XXXX ) You list the same Ch. XXXX cases multiple times ( same reference/date ) under different captions. 
That is duplicative and misleading.

Statutes/Cases : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) ; Cushman.

Demand : Independently verify with docket printouts that these are distinct cases. Otherwise, delete/suppress the duplicates.

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