Consumer complaint received 2025-10-06 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: MI

Complaint narrative:
Under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ), I dispute the accuracy and completeness of the following TransUnion entries. Pursuant to XXXX v. 
TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ), you may not rely on automated codes ; you must obtain independent documentary verification. Codes are not proof. Provide running statements/ledger showing due date, receipt, and posting for each alleged delinquency. All late months are disputed. 
Disputed TransUnion Entries ( quotes ; law ; XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # [ XXXX : XXXX ] o Quoted TU : Account Status : Closed Balance : {$660.00} Unpaid balance reported as a loss by XXXX XXXX ; Account information disputed by consumer. 
o XXXX : Other bureau shows Open with Date Last Active ( DLA ) XXXX. 
o Violations : FCRA 607 ( b ), 611 ; Reg V 12 CFR 1022.42 ( accuracy/integrity ).

o Metro 2 : Account Status, XXXX, Special Comment / Compliance Condition Code, Current Balance. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Acct # [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Closed Balance : {$5800.00} Unpaid balance reported as a loss by XXXX XXXX. 
o Conflicts : Other bureau shows Open ; creditor name mismatched ( XXXX XXXX XXXX XXXX elsewhere ). 
o Violations : 607 ( b ), 611.

o Metro 2 : Furnisher Name/Identifier, Account Status, Date of Account Information. 
XXXX. XXXX XXXX XXXX / WebBank Avant Acct # [ XXXX : XXXX ] o Quoted TU : Closed Balance : {$500.00} Past Due : {$500.00} DLA : XXXX Was 90 days late XXXX time ( XXXX ). 
o Conflicts : Other bureaus list XXXX ; XXXX and XXXX differ XXXX XXXX / XXXX ). 
o Violations : 607 ( b ) ; 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX : Account Status, Amount Past Due, Payment Rating/History ProfileXXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple ) Acct # [ XXXX : XXXX XXXX XXXX XXXX XXXX ( example XXXX ) : Closed Balance : {$1200.00} Past Due : {$1200.00} Was 90 days late XXXX time ( XXXX ). 
o Conflicts : Other bureaus mark XXXX and different DLA ( XXXXXXXX XXXX XXXX XXXXXXXX ). 
o XXXX / XXXX XXXX : same as XXXX above. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX  : Closed Balance : {$800.00} Past Due : {$800.00} Was 90 days late XXXX time ( XXXX ). 
o Conflicts : Other bureaus show XXXX, different XXXX. 
o XXXX / XXXX XXXX : as above. 
XXXX. XXXX XXXX XXXX XXXX XXXX Acct # [ XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Closed Balance : {$490.00} Past Due : {$490.00} Was 90 days late XXXX time ( XXXX ). 
o Conflicts : Other bureaus mark XXXX ; DLAs differ ( XXXX vs XXXX ). 
XXXX XXXX XXXX : Account Status, Amount Past Due, Payment Rating, XXXX. 
XXXX. XXXX ( Collection ) Acct # [ XXXX : XXXX ] o Quoted TU : Open Balance : {$4300.00} Past Due : {$4300.00} Collection account Date Opened : XXXX with XXXX : XXXX. 
o Defect : Open Date is after the reported XXXX ( chronology impossible ). 
XXXX XXXX XXXX : Date Opened, XXXX, XXXX XXXX logic. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ] o Quoted XXXX  : Open Balance : {$0.00} XXXX XXXX  {$150.00} AsAgreed yet Negative with Was 90 days late XXXX time ( XXXX ). 
o Defect : Open/ $ XXXX can not coexist with massive XXXX late history absent ledger. 
XXXX XXXX XXXX : Payment Rating vs Account Status, Special Comment/History Profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX tradelines ) Acct # [ XXXX : XXXX ]/ # [ XXXX : XXXXXXXX XXXX XXXX XXXX XXXX : Closed Balance : {$880.00} / {$770.00} XXXX  multiple XXXX lates. 
o Conflicts : Another bureau shows XXXX and extreme XXXX late counts ( e.g., XXXX / XXXX ). 
o XXXX XXXX : XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
XXXX. XXXX Acct # [ XXXX : ____ ] Quoted TU : Closed Balance : {$130.00} Installment High Credit : {$0.00} CL : {$420.00} XXXX 
Conflicts : Other bureaus call it Revolving/Line of Credit with different XXXX XXXX ( {$440.00} / {$1600.00} ) and more XXXX lates. 
XXXX XXXX : Account Type, High Credit, XXXX XXXX, Payment Rating. 
XXXX. XXXX, XXXX Acct # [ XXXX : ____ ] Quoted TU : Closed Balance : {$2400.00} Past Due : {$2300.00} CL : {$2000.00} CO. 
Defect : XXXX XXXX math must match ledger/DOFD chronology. 
XXXX XXXX : Amount XXXX XXXX, XXXX, XXXX XXXX. 
XXXX. POSSIBLE FINANCIAL Acct # [ XXXX : ____ ] Quoted TU : Closed {$0.00} Unpaid balance reported as a loss and Account paid in full for less than the full balance. 
Defect : Mutually inconsistent outcome comments. 
XXXX XXXX : Special Comment / Compliance Condition Code, Final Status. 
XXXX. XXXX XXXX CO ( Auto ) Acct # [ XXXX : ____ ] Quoted TU : XXXX {$0.00} ; This is an account in good standing ; late XX/XX/XXXX also shown ; XXXX references on other bureaus. 
Defect : Good standing/ $ XXXX vs Negative/late is misleading ; XXXX coding inconsistent. 
XXXX XXXX : Payment Rating vs Account XXXX, Bankruptcy indicator, XXXX. 
XXXX. PUBLIC RECORD Chapter XXXX Bankruptcy ( duplicate renditions ) Quoted XXXX XXXX : XXXX, XXXX, XXXX with varying court captions ( XXXX, XXXX XXXX CT-EAST DIST MIC, XXXX Bankruptcy XXXX ). 
Defect : Duplicate/fragmented entries and inconsistent court captions/dates are misleading. 
XXXX XXXX ( PR ) : XXXX XXXX, Filing/Disposition dates, Reference/Case #.

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