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: VA

Complaint narrative:
Subject : File of [ YOUR NAME ] XXXX ( Acct # XXXX ) Inaccurate delinquency severity ; all lates disputed TransUnion reports Payment Status : 120 days past due. Experian reports XXXX due 180 days for the same period. Same furnisher, same cycle, conflicting severity is materially misleading. 
I hereby dispute every late/derog month on this account, including at minimum : XX/XX/XXXX ( XXXX ) ; June 2025September 2025 ( XXXX ). 
Independent verification required ( codes proof ) : Produce running monthly statements and a complete account ledger for each alleged late, showing the contractual due date, the date payment was received, and the date it posted. XXXX XXXX codes, payment grids, and generic verified responses are not evidence. 
XXXX : FCRA 607 ( b ) ; 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ; 1681i ( a ) ( 5 ) ( A ) ) ; Reg V, 12 C.F.R. 
XXXX ; XXXX v. TransUnion, XXXX XXXX XXXX ( requiring independent reinvestigation ). 
XXXX XXXX fields breached : Field XXXX ( Payment Rating ), Field XXXX ( Payment History Profile ), Field XXXX ( Account Status ), Fields XX/XX/XXXX ( date alignment ). 
Demand : Either correct the severity/dates to the verifiable history or delete the derogatory data ( or the entire tradeline ) under 1681i ( a ) ( 5 ) ( A ). Failure triggers CFPB/FTC/AG complaints and XXXX XXXX XXXX XXXX. XXXX. 
Enclosures : ID ; proof of address ; XXXX XXXX page ; Experian XXXX. 
XXXX ) XXXX Acct # XXXX ( severity conflict vs. Experian ; late months disputed ) Same content and citations as Letter # XXXX ; update the account number and attach the corresponding TU/EX pages. Disputed late months include XX/XX/XXXX ( XXXX ) ; XXXX XXXX ( XXXX ). 
XXXX ) XXXX  False one-bureau late ( XX/XX/XXXX ) Subject : File of [ YOUR NAME ] XXXX Unsupported XXXX in XX/XX/XXXX TransUnion shows a XXXX in XX/XX/XXXX while Experian shows OK for the same month. This one-bureau anomaly is presumptively inaccurate. 
I dispute all late months for this tradeline, including XX/XX/XXXX ( XXXX ). 
XXXX standard : Provide statements & ledger for each alleged late ( due date receipt posting ). Codes are not proof. 
XXXX XXXX XXXX FCRA 607 ( b ) ; 611 ( 1681i ( a ) ( 1 ) ( A ) ; 1681i ( a ) ( 5 ) ( A ) ) ; XXXX XXXX XXXX ; XXXX. XXXX XXXX. 
Demand : Correct or delete the late ( or the entire tradeline ). Non-compliance CFPB/FTC/AG + XXXX XXXX XXXX 
Enclosures : ID ; address proof ; XXXX XXXX page ; Experian XXXX. 
XXXX ) DISCOVER ( primary ) Stale/unequal dispute-resolution remark Subject : File of [ YOUR NAME ] DISCOVER Inaccurate/unequal dispute resolved remark Your file displays Dispute resolved reported by XXXX / Account previously in dispute now resolved. Experian/Equifax do not mirror this remark. If any XXXX XXXX XXXX remains, or your remark implies an ongoing dispute, the file is misleading. 
I dispute all late months ( if any exist now or later ). 
Produce : The underlying dispute records and ledger/statements relied on. Codes proof. 
Law/Metro 2 : FCRA 607 ( b ) ; 611 ; Reg V 1022.42 ; Cushman ; Field 11 ( Compliance/Dispute ), Field 24. 
Demand : Remove/correct the remark and harmonize, or delete the tradeline. Remedies as above. 
Enclosures : ID ; address proof ; XXXX XXXX page ; EX/EQ comparators.

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