Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
I am disputing the accuracy and completeness of the items below. TransUnion must conduct a reasonable, independent reinvestigation ( not a mere ACDV code-shuffle ) and either ( 1 ) correct to full factual accuracy with documentary proof, or ( 2 ) delete under FCRA 611 ( a ) ( 5 ) ( A ) if you can not independently verify to the standard in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. 1997 ). Codes are not proof. 
Items Disputed ( TransUnion report ) 1. XXXX XXXX XXXX XXXX XXXX ( Acct # : XXXX ) Open o Comments/Status conflict : Dispute resolved reported by XXXX while other bureaus simultaneously show active consumer-dispute indicators for the same tradeline. 
o XXXX XXXX breach : Compliance Condition Code ( CCC ) must be XXXX  ( consumer disputes, reinvestigation in process ) vs XXXX ( resolved ) may not conflict across the same furnishers reporting. 
o Relief demanded : Correct to the accurate CCC or delete if the furnisher can not produce reinvestigation records establishing the true status. 
2. XXXX XXXX Closed ( Acct # : XXXX ) o Internal inconsistency : Payment Status : Paid or paying as agreed while Comment : Canceled by credit grantor. This pairing is misleading and penalizes scoring for a closure by creditor while simultaneously suggesting an active pays-as-agreed status. 
o XXXX XXXX breach : Field 17A ( Payment Rating ) / 17B ( Account Status ) must be logically consistent ; Closed by credit grantor requires a non-current status that is not pays as agreed.

o Relief demanded : Harmonize to a non-misleading closed/non-derogatory status or delete if the furnisher can not document the correct codes and closure circumstances. 
XXXXXXXX XXXX  ( XXXX XXXX XXXX  ) and XXXX  Closed o Same inconsistency pattern as above where Canceled by credit grantor appears with Paid or paying as agreed. 
o XXXX XXXX : Same 17A/17B inconsistency ; correct or delete.

4. Account-Number Masking Multiple Tradelines ( e.g., XXXX XXXX ; XXXX XXXX ) o Defect : TransUnions disclosure uses non-uniform truncation ( length differs from other bureaus ), impeding specific identification and meaningful dispute of sub-accounts. 
o Law & XXXX XXXX : FCRA 609 ( a ) ( 3 ) requires full file disclosure with sufficient identifying information ; XXXX XXXX Field 25 ( Account Number ) must uniquely identify the account.

o Relief : Provide the complete, unmasked account identifiers ( or a full internal cross-reference key ) for my records and future disputes. 
Late-Month Dispute Notice ( All TU tradelines ) : I dispute any and all months TransUnion publishes as 30/60/90/120/180XXXX for the accounts above. Your grid shows only OK in many cases ; if any late codes exist in your internal data, I demand an itemized month-bymonth ledger ( due date amount due date received date posted ) from the furnisher. 
Codes are not proof.

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