Consumer complaint received 2025-10-07 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 dispute the XXXX XXXX  tradeline as inaccurate/incomplete under FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). Your file shows : Derogatory Collection/Chargeoff ; Canceled by credit grantor ; Business Credit Card, but you provide no payment grid, and the Account Type/Portfolio coding conflicts ( consumer vs. business ; charge vs. charge account ). This is materially misleading.

Metro 2 to correct : Portfolio Type ( 12 ), Account Type ( 15 ), Account Status ( 17A ), Payment Rating ( 17B ), Payment History Profile ( 18 ), Highest Credit/Original Amount ( 29 ), Special Comment ( 39 ). 
Late months disputed : All months you display as 30/60/90/CO. 
Provide running statements/ledger ( due/received/posted ) for each alleged late month. 
Automated codes are not proof. Conduct an independent reinvestigation per Cushman v.

TransUnion, 115 F.3d 220. If unverifiable to that standard, delete the negatives or the entire tradeline per 611 ( a ) ( 5 ) ( A ). Noncompliance CFPB/FTC/AG complaints and suit under 616617.

Enclosures : ID, address proof, report pages quoted, fraud-alert note. 
XXXX XXXX XXXX ( Acct ending XXXX ) Re : XXXX Status/Comment/PHP errors You show Charge-off with Canceled by credit grantor and no PHP grid, which is inconsistent and misleading. 
Fix Metro 2 : XXXX XXXX XXXX XXXX 
Late months disputed : All. 
( Apply same ledger/XXXX/607 ( b ), 611, 611 ( a ) ( 5 ) ( A ), 616617 language and enclosures. ) XXXX ) XXXX ( Acct ending XXXX ) Re : XXXX Sold/Transferred coding and severity Your entry shows Charge-off/Purchased by another lender with mismatched severity and missing reconciled dates/amounts. 
Fix Metro 2 : 39 ( Account sold/transferred ), XXXX, XXXX ( DOFD ), XXXX, XXXX. 
Late months disputed : All ( if any present ). 
( Include ledger/XXXX language and enclosures. ) XXXX ) XXXX ( Acct ending XXXX Auto ) Re : XXXX XXXX XXXX & timeline errors You report Charge-off/Profit & loss write-off while still showing Past Due {$700.00}. After CO, Past Due ( XXXX ) must be {$0.00}. Dates ( XXXX ) dont reconcile. 
Fix Metro 2 : XXXX, XXXX, XXXX, XXXX, XXXX. 
Late months disputed : All. 
( Include ledgerXXXX language and enclosures. ) XXXX ) XXXX ( Acct ending XXXX Student loan, closed/transfer ) Re : XXXX 90-day lateXXXX near transfer ; remark coding You show 90-day lates in late XXXX yet the account later closed/transferred. Provide transfer record and ledgers ; correct remarks. 
Fix Metro 2 : XXXX, XXXX ( Transferred/Sold ), XXXX, XXXX, XX/XX/XXXX if applicable. 
Late months disputed : All 90-day lates. 
( Include ledgerXXXX language and enclosures. ) XXXX ) XXXX XXXX XXXX ( Collection ; XXXX XXXX XXXX ) Re : XXXX XXXX Missing DOFD, amount validation You report collection placed XX/XX/XXXX with {$3000.00} but provide no DOFD or validated itemization ( principal/interest/fees ). 
Fix Metro 2 : 12 ( XXXX XXXX ), XXXX, XXXX, XXXX, XXXX. 
Late months disputed : All ( collections must not carry monthly late PHP ). 
( XXXXnclude ledgerXXXX language and enclosures. ) XXXX ) XXXX XXXX XXXX  ( Acct ending XXXX Closed CO ) Re : XXXX XXXX XXXX Dispute/CO timeline and past-due handling Status/comments ( Payment after charge-off/collection ; Dispute resolved; reported by grantor ) and amounts/timeline are inconsistent. 
Fix Metro 2 : XXXX, XXXX, XXXX, XXXX, XXXX. 
Late months disputed : All ( especially months around CO ).

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