Consumer complaint received 2025-10-01 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:
This is a formal dispute of the items below. Under FCRA 607 ( b ) you must assure maximum possible accuracy, and under FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) you must conduct an independent reinvestigation. Codes are not proof. I demand original running statements/ledger for each late monthshowing contract due date, date received, and date posted. If you can not verify to that standard, you must delete or completely delete the tradeline per 611 ( a ) ( 5 ) ( A ). See Cushman v. TransUnion, 115 F.3d 220 ( a superficial creditor confirmation is inadequate ).

Disputed Items ( TransUnion file dated XX/XX/XXXX ) XXXX. XXXX XXXX Installment Acct XXXX Status 120 days past due, Past Due {$990.00}, Balance {$990.00} ( Last reported XX/XX/XXXX ) o Defects : TU shows a continuous 120 string for XXXX XXXX XXXX ( XXXX months ) with no ledger proof ; EX/EQ disagree for several months. 
o Late Months Disputed ( TU ) : XX/XX/XXXX through XX/XX/XXXX ( all months coded 120 ).

o FCRA/Reg V : 607 ( b ) ( accuracy ) ; 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 5 ) ( A ) ( reinvestigation/deletion ).

o Metro 2 : Payment Rating, Current Status, Compliance Condition Code ( can not maintain perpetual 120 without substantiated billing/crediting records ).

o Demand : Provide month-by-month billing statements and payment posting ledger ; otherwise delete the late codes or the entire tradeline. 
XXXX. XXXX XXXX Acct XXXX Closed XX/XX/XXXX ; 30 late ; Comment : Dispute resolved ; customer disagrees.

o Defects : Reported only to TU ( not XXXX ), creating an incomplete/misleading file ; maintains dispute resolved coding despite ongoing dispute. 
o Late Months Disputed ( TU ) : XX/XX/XXXX ( XXXX ). 
o FCRA : 607 ( b ) ; 611 ( a ) ( 5 ) ( A ).

o Metro 2 : Compliance Condition Code ( XB/XH handling ), Account Status ; incomplete multi-bureau furnishing.

o Demand : Produce ledger for any late ; otherwise delete. 
XXXX. XXXX Revolving Acct XXXX Charged off as bad debt ; Comment : Dispute resolved ; customer disagrees.

o Defects : Reported to TU only ; dispute resolved while dispute persists ; no verified DOFD provided.

o Late/Derog Months Disputed ( TU ) : All months coded CO/derog.

o FCRA : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) & ( a ) ( 5 ) ( A ). 
o Metro 2 : Compliance Condition Code, DOFD, Current Status.

o Demand : Provide DOFD and full ledger ; else delete. 
XXXX. XXXX XXXX Revolving Acct XXXX Closed ; Status Payment after charge-off/collection. 
o Defects : TUs status conflicts with other bureau outcomes ; no proof of actual charge-off amounts/deficiency or settlement accounting. 
o Late/Derog Months Disputed ( if any coded on TU ) : Any months coded XXXX in XXXX. 
o FCRA/Metro 2 : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) ; Account Status/Payment Rating/DOFD.

o Demand : Produce complete accounting ; otherwise remove derogatory codes or delete. 
Inquiries ( FYI ) : XXXX XX/XX/XXXX noted.

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