Consumer complaint received 2025-10-03 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXXXXXX ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ insert date ] Re : Dispute & Demand for Independent Reinvestigation ( TU tradeline : XXXX XXXX XXXX XXXX XXXX, balance {$100.00} ) TransUnion is reporting contradictory, misleading data for this account, including Closed status with Unpaid balance reported as a loss by credit grantor while other bureaus show the same debt as Refinanced or Open/Placed for collection. This violates FCRA 607 ( b ) and Metro 2 internal consistency for Account Status, Special Comment, DOFD, XXXX, XXXX, Current Balance, Portfolio/Product Type, Original Creditor Name.

I dispute every adverse month and status code on this tradeline as reported in your file.

Required action under FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) & Cushman v. TransUnion, 115 F.3d 220 : Conduct an independent reinvestigation. Codes are not proof. Obtain running statements/ledger from the furnisher showing bill dates, contractual due dates, date received, and posting for each derogatory month, and a properly established DOFD. If you can not verify to that standard, delete each derogatory month and, as necessary, delete the entire tradeline under 1681i ( a ) ( 5 ) ( A ). Reg V ( 12 C.F.R. 1022.42.43 ) also binds the furnishers accuracy/investigation.

Noncompliance will result in CFPB/FTC/GA AG complaints and litigation for damages under 15 U.S.C. 616617.

Enclosures : ID ; proof of address ; highlighted TU pages ; sworn affidavit ; XXXX  receipts. 
XXXX XXXX XXXX XXXX XXXX/ XXXX ( Acct : XXXX ; bal {$1600.00} ) Re : Dispute & Demand for Independent Reinvestigation ( TU tradeline : XXXX XXXX XXXX XXXX XXXX ) TU lists this collection as Closed with Unpaid balance reported as a loss by credit grantor.

That charge-off phrasing is an original-creditor code, not a third-party collection code, and conflicts with other bureaus showing Refinanced or Open/Placed. Breaches 607 ( b ) and Metro 2 ( Account Status ; Special Comment ; DOFD ; XXXX XXXX XXXX ; Balance ; Product Type ; OC Name ).

I dispute every adverse month/status.

Demand : XXXX-compliant independent reinvestigation ; running
statements/ledger for each derogatory month ; codes proof ; delete unverifiable items or the tradeline under 1681i ( a ) ( 5 ) ( A ). Reg V duties apply. Remedies and enclosures as above. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct : XXXX ; bal {$950.00} ) Re : Dispute & Demand for Independent Reinvestigation ( TU tradeline : XXXX XXXX XXXX ) TU shows Closed with Unpaid balance reported as a loss by

credit grantor for a third party collection inaccurate and misleading, especially where other bureaus list different statuses. Violations of 607 ( b ) and Metro 2 ( Account Status ; Special Comment ; DOFD ; XXXX XXXX XXXX  ; Balance ; Product Type ; OC Name ).

I dispute all adverse months/status. Demand verification as above ; delete if not independently verified ; 611, 1681i ( a ) ( 5 ) ( A ), XXXX, Reg V. Remedies/enclosures as above. 
XXXX ) XXXX XXXX XXXX / XXXX  XXXX ( Acct : XXXX ; bal {$650.00} ) Re : Dispute & Demand for Independent Reinvestigation ( TU tradeline : XXXX / XXXX XXXX ) TU uses

OC charge-off phrasing and lists Closed, while other bureaus show Open/Collection and even misuse Past Due and late-count grids on a collection. This is facially inaccurate. Metro 2 fields breached : Account Status ; Payment History Profile ( PHP ) ; Past Due ; DOFD ; XXXX XXXX XXXX ; Special Comment ; Balance ; Product Type.

I dispute all adverse months/status. Demand Cushman-compliant verification and running statements/ledger ; codes proof ; delete per 1681i ( a ) ( 5 ) ( A ) if not verified.

Remedies/enclosures as above. 
XXXX XXXX XXXX XXXX XXXX ( Auto loan ; Acct : XXXX ) Re : Dispute & Demand for Independent Reinvestigation ( TU  tradeline : XXXX ) TU marks the account As Agreed/ in good standing yet shows Negative with Was 30 days late 06 time ( s ). Those are contradictory and misleading. Disputed months : every month your TU file codes as 30/60/90/120/180/CO for this account.


Metro 2 fields : Account Status ; XXXX XXXX XXXX XXXX XXXXXXXX  ; XXXX  ; Special Comment.

Demand : Provide running statements/ledger proving due date/receipt/posting for each late ; codes proof ; delete unverifiable derogatory months or the tradeline under 1681i ( a ) ( 5 ) ( A ).

607 ( b ), 611, XXXX, Reg V. Remedies/enclosures as above. 
XXXX ) XXXX ( Revolving charge-off ; Acct : XXXX ; bal/past due {$470.00} ) Re : Dispute & Demand for Independent Reinvestigation ( TU tradeline : XXXX ) TU shows CO with XXXX XXXX and late-counts XXXX XXXX XXXX / XXXX, while other bureaus conflict on XXXXDOFD and limits. Metro 2 fields : Account Status ; PHP ; DOFD ; XXXX ; XXXX ; High Credit/Credit Limit ; Past Due ; Special Comment.

I dispute all months coded 30/60/90/CO. Demand ledgers/statements ; codes proof ; delete unverifiable items per 1681i ( a ) ( 5 ) ( A ). 607 ( b ), 611, XXXX, Reg V. Remedies/enclosures as above.

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