Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am writing to formally dispute certain information that has been reported on my credit file as provided to you by [ Name of Creditor or Data Furnisher ]. This dispute is made under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Metro 2 compliance guidelines, as outlined by the XXXX XXXX XXXX XXXX ( XXXX ). 
Account Information Being Disputed Creditor Name : [ Name of Creditor ] Account Number : [ Account Number ] Date of Last Activity : [ Date ] Balance Reported : [ Balance ] Date Opened : [ Date ] Discrepancies Found : 1. Inaccurate Account Status : According to Metro 2 compliance rules, the Account Status should accurately reflect the actual account condition. The reported Account Status is incorrect as it does not align with my payment history. The account is incorrectly listed as [ Incorrect Status ] instead of [ Correct Status ]. 
2. Date of First Delinquency ( DOFD ) : The DOFD is inconsistent with the payment history on the account. This is critical as it affects the 7-year reporting period under FCRA 605 ( a ). The DOFD should be [ Correct DOFD Date ]. 
3. Payment History Profile : The Payment History Profile ( PHP ) is incomplete or incorrectly reported. For example, [ Specific Months ] are missing, or they are inaccurately marked as [ Incorrect Status, e.g., " Late '' ] when I believe they should show as [ Correct Status, e.g., " Current '' ].

4. Balance vs. Account Status : The balance reported on this account does not reflect the current status of the account. The account has a balance of $ [ Amount ] but is inaccurately showing as [ Incorrect Status, e.g., " Charge-Off '' ].

5. Re-aging of Account : It appears that the Date of First Delinquency ( DOFD ) has been re-aged. Under FCRA, this can not be done, and the correct DOFD should be [ Correct DOFD Date ].

6. Account Not Updated : According to Metro 2 compliance, the Date of Account Information must reflect the most recent verified update. However, this account has not been updated to reflect the correct [ Status, e.g., " paid off '' ] or the correct information.

Request for Investigation and Resolution Under FCRA 611 ( a ) ( 1 ) ( A ), I request that you investigate this dispute and provide documentation verifying the accuracy of the reported information. As stipulated in FCRA 607 ( b ), you are required to maintain the maximum possible accuracy in reporting my credit information. If the information can not be verified within 30 days, I request that it be deleted from my credit report as required under FCRA 611 ( a ) ( 5 ) ( A ).

If the disputed information can not be substantiated or is proven to be inaccurate, I request that it be deleted or corrected accordingly. If this is not resolved, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

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 explanation