Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
Re : File of XXXX XXXX XXXX Formal Dispute & Reinvestigation Demand ( FCRA 607 ( b ), 611 ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( XXXX ) ( A ) ; XXXX XXXX TransUnion, XXXX XXXX XXXX ) Dear TransUnion XXXX Department XXXX I dispute the accuracy/completeness of the tradelines identified below and every late month ever coded ( XXXX ). Metro 2 codes are not proof. You must obtain independent verificationrunning monthly statements and the full account ledger proving for each disputed late the contractual due date date payment received date posted. If you can not verify to that standard, delete the late data or the entire tradeline under 1681i ( a ) ( 5 ) ( A ). I reserve claims under 15 U.S.C. 616617 and will file CFPB/FTC/State AG complaints for non-compliance . 
1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status conflict across bureaus Your file ( TU ) : Closed / Current / Canceled by credit grantor ; Date Reported XX/XX/XXXX ; Balance {$4900.00}. 
Conflict : XXXX  shows the same account Open / Current / Consumer disputes reinvestigation in progress with Balance {$4900.00}. Open/Closed can not both be true. 
Metro 2 breaches : Account Status, Current Balance, Special Comment/Compliance Condition Code ( CCC ), Payment History Profile ( PHP ), Date of Account Information. 
Demand : Independently verify status & balance with statements/ledger or delete. 
2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsupported delinquencies Your file ( TU ) : Open / Late 120 Days ; PHP shows 90-day lates in XX/XX/XXXX and XX/XX/XXXX ; remark Dispute resolved; customer disagrees. 
Issue : No matching derogatory on other bureaus ; derog coding requires documentary evidence. 
Metro 2 breaches : PHP/Payment Rating, Account Status, Date of Account Info. 
Demand : Produce month-by-month statements/ledger for each late or delete the derogatory data/tradeline. 
3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; High Bal {$5500.00} * * ) TU Closed vs XXXX  Open + higher balance Your file ( TU ) : Closed / Current ; Date Reported XX/XX/XXXX. 
XXXX  : Open / Current ; XXXX {$10000.00} ; Date Reported XX/XX/XXXX. 
Metro 2 breaches : Account Status, Current Balance, Original/High Credit, Transfer/Sale Indicator, Date of Account Info. 
Demand : Provide ledger, statements, transfer/consolidation records ( and any DOFD if applicable ) or delete. 
I dispute all late months for the above accounts. Codes are not proof. Absent independent verification, delete under 1681i ( a ) ( 5 ) ( A ). This is a formal notice under FCRA 607 ( b ), XXXX  and XXXX. 
Enclosures ( all ) : ( 1 ) Govt ID ; ( 2 ) proof of address ; ( 3 ) TU pages for each tradeline ; ( 4 ) comparator pages from other bureaus showing conflicts.

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