Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and non-compliant reporting of the following account listed on my credit reports from TransUnion and Experian : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Type : Installment Date Opened : XX/XX/XXXX Upon review, I have found this account to be reported in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting guidelines for the following reasons : Metro 2 / FCRA Violations and Inconsistencies : Inconsistent Open Date & Account Details : TransUnion lists the open date as XX/XX/XXXX, while Experian reports it as XX/XX/XXXX. 

Metro 2 guidelines require that critical identifying information such as open date be consistent and accurately reported across bureaus. 

Contradictory Account Type Descriptions : TransUnion identifies the account as Telecommunications/Cellular, while Experian marks it as Unknown credit extension, review, or collection. 

Such conflicting detail misrepresents the nature of the debt and may negatively affect underwriting decisions and creditworthiness assessments. 

{$0.00} XXXX XXXX with XXXX XXXX : Both bureaus report a {$0.00} monthly payment, which is not appropriate for an installment account with an active balance of {$1100.00}. 

This violates Metro 2 standards for consistency and logic in trade line structure. 

Disputed Account Not Properly Coded or Suppressed : Both bureaus include dispute language ( account information disputed by consumer ), yet continue reporting the account as charge-off without marking it as in dispute using the required XB code. 

Under FCRA 611 and Metro 2 guidance, the furnisher must flag the dispute and suppress derogatory scoring metrics during investigation. 

Payment History and Activity Dates Misleading or Missing : Both bureaus show continuous charge-off reporting ( CO ) with no recorded last payment date and conflicting Date Last Active ( TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX ). 

This suggests potential re-aging, which violates FCRA 607 and is misleading and unlawful if done to prolong negative reporting.

Uniform data furnishing is a best practice and encouraged under Metro 2 guidelines for equitable credit assessment. 

Requested Action : Based on the above violations and errors, I am requesting the following actions in accordance with the FCRA and Metro 2 reporting requirements : Immediate reinvestigation of the XXXX account under FCRA 611. 

Suppression of all derogatory remarks during the dispute process. 

Removal of the account if the furnisher is unable to verify and correct the reporting within the required XXXX period. 

Please confirm in writing the results of your investigation and provide documentation of any changes made to this accounts reporting. Failure to remove this account for major violations may result in legal action under FCRA 616618. Attached proof of all the inaccuracies

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