Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the accuracy and completeness of the XXXX XXXX account reporting under my credit file. This account is being reported with multiple factual and Metro-2 compliance errors, including : XXXX. Incorrect Utilization on a Closed Account Your reporting shows a {$810.00} balance, a {$600.00} limit, and 135.5 % utilization for an account listed as closed. 
Closed accounts can not show active utilization. 

XXXX. Incomplete Payment History Several months are marked as unknown on the payment history grid. 
Metro-2 requires complete Payment History Profile data. 

XXXX. Contradictory Delinquency CXX/XX/XXXXes The account reports delinquency codes after the date of closure, which violates FCRA XXXX ( a ). XXXX. Failure to CXX/XX/XXXXe Dispute Properly Remarks state the account was previously in dispute, yet the Metro-2 Compliance Condition CXX/XX/XXXXeXX/XX/XXXX was never applied. 

XXXX. Inconsistent and Inaccurate Payment History The grid shows late payments in months inconsistent with the accounts closure and payment history. 
XX/XX/XXXX Closed Account Reporting Active Utilization ( 141 % ) Closed accounts can not : Report a credit limit Report active utilization Report new balances XX/XX/XXXXXXXX is reporting : Active balance = {$700.00} Active limit = {$500.00} Utilization = 141.2 % Thats a Metro-2 Base Segment breach. 
And a FCRA XXXX ( b ) accuracy breach. 

XX/XX/XXXX Missing Payment History ( XXXX marked? ) Every? is a field integrity violation. 

Missing or unknown months violate : Metro-2 Payment History Profile ( Field XXXX ) FCRA XXXX ( a ) ( XXXX ) ( A ) reporting incomplete data FCRA XXXX ( b ) CRAs failing to maintain accuracy XXXX Late Payments Reported After Account Closure Account status = Closed Yet they show NEW late cXX/XX/XXXXes in 2025. 

This is illegal. 

A closed account can not incur new delinquency. 
That violates : FCRA XXXX ( a ) Metro-2 Account Status cXX/XX/XXXXe integrity. XXXX Improper Dispute CXX/XX/XXXXing Remark says : Previously in dispute now resolved Yet Metro-2 never shows : Compliance Condition CXX/XX/XXXXe XX/XX/XXXX ( required during a dispute ) Missing compliance cXX/XX/XXXXing = violation.XX/XX/XXXXXXXX ( b ) Accuracy Requirement XX/XX/XXXXXXXX is furnishing data that is : Incomplete Internally contradictory Impossible ( 141 % utilization on a closed card )XX/XX/XXXXXXXX ( a ) ( XXXX ) ( A ) Duty Not to Report Inaccurate Information The reporting includes : Wrong utilization Contradictory payment dates Impossible delinquency cycles Unknown months Missing XX/XX/XXXX details XXXX XXXX ( b ) Failure to Reinvestigate.XX/XX/XXXXXXXX admits this account was previously disputed. 
Yet the same violations remain failed reinvestigation. 

XXXX XXXX ( a ) ( XXXX ) Must Delete Unverifiable Information All missing months (? ) automatically count as unverifiable.

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