Consumer complaint received 2025-10-02 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: CT

Complaint narrative:
I dispute the accuracy of the XXXX XXXX  tradeline on my TransUnion file. Your report shows : Closed Collection/Chargeoff Charged off as bad debt ; Canceled by XXXX XXXX ; Balance {$5200.00} ; Date Reported XX/XX/XXXX. 
Two-Year Payment History : NONE REPORTED. 
These statements are internally contradictory and misleading. A charge-off necessarily presupposes delinquency, yet your Payment History Profile ( XXXX XXXX XXXX XXXX ) shows no late months at all ( NONE REPORTED ). This violates FCRA 607 ( b ) ( maximum possible accuracy ). Upon my dispute, you must conduct a reasonable reinvestigation under 611 / 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and delete or correct under 1681i ( a ) ( 5 ) ( A ). XXXX v. TransUnion, XXXX XXXX XXXX forbids mere parroting of a furnishers codes. 
XXXX XXXX breaches : Field XXXX ( XXXX XXXX XXXX ) : missing late codes while reporting a charge-off. 
Field XXXX ( Account XXXX ) : XXXX  status conflicts with XXXX. 
Field XXXX ( Compliance/Condition Code ) : dispute indicator must be applied during reinvestigation. 
Demand & Proof Standard I dispute every late month ever alleged for this account. Provide running statements/ledger demonstrating the contractual due date, the date you ( or the furnisher ) received each payment, and the posting date for each alleged delinquent month. Codes are not proof.

Provide independent verification per Cushman ; if you can not verify to that standard, delete all late codes and the charge-off, or delete the entire tradeline under 1681i ( a ) ( 5 ) ( A ).

If you fail to comply, I will file complaints with the CFPB, FTC, and the Connecticut AG and pursue claims under FCRA 616617. 
Sincerely, XXXX XXXX XXXX [ Current Address | XXXX XXXX | Last XXXX XXXX ] Enclosures : ID, proof of address, highlighted XXXX report excerpt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Charge-off with no XXXX XXXXate grid Facts quoted from TU : Closed Collection/Chargeoff Charged off as bad debt ; Balance {$5200.00} ; Date Reported XX/XX/XXXX ; Last Verified XX/XX/XXXX. Payment History : NONE REPORTED. 
Violations / XXXX XXXX : Same reasoning as XXXXXXXX XXXX XXXX XXXX K2 vs. Status ( Field 17 ) inconsistency ; 607 ( b ), 611, 1681i ( a ) ( 5 ) ( A ), Cushman ).

Late months disputed : All months. Provide ledger proof for each. 
( Use the same body as XXXX # XXXX, changing account details. ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Charge-off with no XXXX late grid ; Dispute resolved; reported by XXXX Facts quoted from XXXX : Derogatory Closed Collection/Chargeoff Charged off as bad debt ; Dispute resolved; reported by XXXX ; Balance {$2800.00} ; Date Reported XX/XX/XXXX. 
Payment grid : NONE REPORTED. 
Issues : Resolution code without any verifiable late chronology ; XXXX missing, conflicts with XXXX XXXX ; special comment doesnt substitute for verification. 
Demands : Same as XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Charge-off with no XXXX  late grid Facts quoted from XXXX : Derogatory Closed Collection/Chargeoff Charged off as bad debt ; Balance {$11000.00} ; Date Reported XX/XX/XXXX. Payment grid : NONE REPORTED. 
Violations / Metro 2 : Same as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Charge-off with missing delinquency chronology Facts quoted from TU : Derogatory Closed Collection/Chargeoff Profit and loss write-off ; Balance {$620.00} ; Date Reported XX/XX/XXXX. Payment grid : NONE REPORTED. 
Conflicts across bureaus ( context ) : Other bureaus show progressive XXXX chains ; XXXX shows no XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  conflict ; 607 ( b ), 611, 1681i ( a ) ( 5 ) ( A ), XXXX.

Demand : Dispute all late months ; provide running ledger ; delete if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Closed Late 30 Days with muddled dispute coding Facts quoted from XXXX  : Closed Late 30 Days ; Account information disputed by consumer, meets FCRA requirements ; Payment Amount {$44.00} ; Last Payment XX/XX/XXXX. 
Defects : Dispute notation appears, but you still publish a XXXX late without documentary support. 
XXXX XXXX XXXX XXXX ( Compliance/Condition Code ) applied, but no XXXX month-level substantiation is shown in the grid ( grid shows all XXXX through XX/XX/XXXX ). 
Demand : I dispute the XXXX late and all months. Produce the ledger for the XXXX month or remove the late and correct the tradeline. 
XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status inconsistency vs. other bureaus Facts quoted from XXXX XXXX Derogatory Open Collection/Chargeoff ; Balance {$3700.00} ; Date Reported XX/XX/XXXX ; Original Creditor XXXX XXXX XXXX 
Defects : Other bureaus report different status ( XXXX : Closed/Disputed ; XXXX : missing ). You must not publish materially inconsistent, unverified third-party debt. XXXX XXXX XXXX XXXX ( XXXX XXXX ) & XXXX ( Account XXXX ) require consistency across lifecycle ; XXXX ( b ), XXXX, XXXX. 
Demand : Provide the full chain of title, validation, and ledger supporting the balance and status ; otherwise delete. 
XXXX ) DEPTED/NELNET loans XXXX multiple TU accounts ending XXXX ) : Open Late 120 Days Facts quoted from XXXX ( examples ) : {$4100.00} ( opened XX/XX/XXXX ) Open Late 120 Days ; XXXX string in XXXX. 
{$1500.00} ( opened XX/XX/XXXX ) same. 
{$3500.00} ( opened XX/XX/XXXX ) same. 
{$5500.00} ( opened XX/XX/XXXX ) same. 
{$5500.00} ( opened XX/XX/XXXX ) same. 
{$2000.00} ( opened XX/XX/XXXX ) same. 
{$20000.00} ( opened XX/XX/XXXX ) same. 
{$17000.00} ( opened XX/XX/XXXX ) same. 
Defects : XXXX shows XXXX status ; XXXX shows XXXX on the same loans ; XXXX XXXX  some as Derogatory. That inconsistency signals XXXX XXXX errors : Field XXXX ( Account XXXX ), Field XXXX ( month-level buckets ) disagree across bureaus. 
Field XXXX ( dispute code ) not applied during this dispute. 
Potential mis-coding of forbearance/deferment history if applicable.

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