Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
Defects Identified XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Factual Quote : Account Description : Variety Store / Account Type : Charge account / Account Status : Closed / Payment Status : Current / Balance Owed : {$0.00} / Credit XXXX XXXX {$450.00} / High Balance : {$670.00} / Last Verified XX/XX/XXXX / Date Opened XX/XX/XXXX / Date Reported XX/XX/XXXX. 
o Issues : Contradiction : Account Status = Closed while Payment Status = Current and Creditor Remarks = Charge account. 
DOFD missing. 
Inconsistent Date Opened ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
o Law Violated : FCRA 607 ( b ) Maximal accuracy required.

FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) Reinvestigation & correction/deletion.

FCRA 623 ( a ) ( 5 ) Missing Date of First Delinquency.

o Metro 2 Fields Breached : XXXX XXXX ( Account XXXX ) contradictory. 
Field XXXX ( XXXX XXXX XXXX ) inconsistent across bureaus. 
Field XXXX ( Scheduled Monthly Payment Amount ) misreported {$0.00} despite charge account type. 
o Explanation : Reporting a closed account as current while marking it as charge account misleads creditors and violates the accuracy mandate. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Factual Quote : Account Rating : Paid / Account Status : Closed / Payment Status : Current / Creditor Remarks : Canceled by XXXX XXXX XXXX XXXX XXXX {$0.00} / High Balance {$430.00} / Credit Limit {$300.00}.

o Issues : Creditor Remarks indicate closure by grantor while XXXX XXXX = XXXX, a contradiction. 
XXXX  shows High Balance = {$300.00} ( contradicts TU/XXXX   = {$430.00} ). 
o Law Violated : FCRA 607 ( b ) ; FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ).

o Metro 2 Fields Breached : Field XXXX ( Account Status ) XXXX XXXX XXXX ( Account Type ). 
Field XXXX ( High Credit/Original Loan Amount ) vs Field XXXX ( Credit Limit ). 
o Explanation : XXXX is inconsistent across CRAs and internally contradictory, misleading potential creditors. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * o Factual Quote : Account Rating : Open / Account Status : Open / Creditor Remarks : Terminated / Balance {$0.00} / High Balance {$25000.00} / Credit Limit {$28000.00} / Date Reported XX/XX/XXXX. 
o XXXX : Open vs Terminated contradiction. 
No DOFD furnished.

o Law Violated : FCRA 607 ( b ) ; FCRA 623 ( a ) ( 5 ).

o Metro 2 Fields Breached : Field XXXX ( Account Status ), Field XXXX ( Special Comment Code ). 
o Explanation : A tradeline can not be both XXXX and XXXX. XXXX XXXX obstructs accurate aging. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Factual Quote : Account Status : Open / Payment Status : Current / Balance {$0.00} / High Balance {$640.00} / Credit Limit {$950.00}. 
o XXXX : XXXX not furnished. 
Possible miscoding of Account XXXX ( XXXX Account vs XXXX. Store vs Mail XXXX ). 
o Law Violated : FCRA 607 ( b ) ; 623 ( a ) ( 5 ).

o Metro 2 Fields Breached : Field 5 ( Account Type ), Field 17A ( Account Status ), Field XXXX ( Scheduled Payment ). 
o Explanation : Furnishers must report XXXX ; misclassification of account type misleads creditors. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Factual Quote : Account Status : Closed / Payment Status : Collection/Chargeoff / Creditor Remarks : Charged off as bad debt / Dispute resolved; reported by XXXX / XXXX {$200.00} / Past Due {$100.00} / Credit Limit {$0.00}. 
o XXXX : Contradictory fields ( Closed vs Collection/Chargeoff ). 
DOFD missing. 
Balance/past due inconsistent ( {$200.00} balance vs {$100.00} past due with {$0.00} credit limit ). 
o Law Violated : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) ; 623 ( a ) ( 5 ) ; FDCPA 807.

o Metro 2 Fields Breached : Field XXXX ( Account Status ), Field XXXX ( Past Due ), Field XX/XX/XXXX ( High Credit/Limit ). 
o Explanation : Inconsistent coding and missing DOFD cause re-aging and misrepresentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Factual Quote : Account Status : Closed / Payment Status : Current / Creditor Remarks : Credit card lost or stolen / Balance {$0.00} / High Balance {$540.00} / Credit Limit {$500.00}.

o Issues : Marked Closed Current but tagged as lost/stolen inconsistency. 
DOFD missing.

o Law Violated : FCRA 607 ( b ) ; 623 ( a ) ( 5 ).

o Metro 2 Fields Breached : Field XXXX ( Account Status ), Field XX/XX/XXXX ( High Credit/Limit ). 
o Explanation : Misleading closure coding without XXXX verification. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Authorized User ) o Factual Quote : Authorized User / Balance {$1200.00} / High Balance {$3400.00} / Past Due {$0.00} / Status : Open Current / Remarks : Authorized User. 
o XXXX : XXXX account reporting with balance and past-due exposure is improper ; XXXX  accounts are not legally liable.

o Law Violated : FCRA 607 ( b ) ; 611 ; 623 ( a ) ( 3 ).

o Metro 2 Fields Breached : Field XXXX ( XXXX XXXX XXXX ), Field XXXX ( Balance Amount ). 
o Explanation : Reporting liability on XXXX tradeline is misleading and violates accuracy requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Quote : Account Status : Closed / Payment Status : Collection/Chargeoff / Balance {$1800.00} / Past Due {$1800.00} / Credit Limit {$1400.00} / Remarks : Charged off as bad debt / Dispute resolved; customer disagrees. 
o XXXX : Closed vs XXXX contradiction. 
Re-aged : Date of XXXX XXXX XX/XX/XXXX vs XXXX missing. 
XXXX XXXX XXXX shows lates post-closure ( impossible ). 
o XXXX Violated : FCRA 607 ( b ) ; 611 ; 623 ( a ) ( 5 ).

o Metro 2 Fields Breached : Field XXXX, XXXX ( Payment History ), XXXX ( Past Due ). 
o Explanation : Conflicting data and re-aging violate accuracy and reinvestigation duties. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Installment Loan {$4000.00} ) XXXX XXXX XXXX  Factual Quote : Closed / Current / Balance {$0.00} / High Balance {$4000.00} / Past Due {$0.00} / Term XXXX  months / Secured loan. 
o Issues : XXXX XXXX XXXX shows all OK, while XXXX reports Closed Current ; no DOFD furnished. 
Missing dispute notation.

o Law Violated : FCRA 607 ( b ) ; 611 ; 623 ( a ) ( 3 ).

o Metro 2 Fields Breached : Field XXXX ( Scheduled Payment ), Field XXXX ( Account Status ). 
o Explanation : Failure to report DOFD and dispute flag constitutes violations. 
XXXXXXXX XXXX XXXX XXXXXXXX Multiple Accounts ( Various Accts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Quote : Multiple accounts coded Closed Current / Balance {$0.00} yet inconsistent with Dates Reported ( XXXX ) and Payment History. 
Issues : o Re-aging across accounts. 
o XXXX missing. 
o XXXX XXXX XXXX vs XXXX values. 
XXXX Violated : FCRA 607 ( b ), 611, 623 ( a ) ( 5 ).

Metro 2 Fields Breached : Field XXXX, XXXX, XXXX. 
Explanation : Multiple redundant tradelines misrepresent liability and payment history. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Factual Quote : Account Status : Closed / Payment Status : Collection/Chargeoff / Remarks : Payment after chargeoff ; Settled less than full balance / Balance {$0.00} / Past Due {$0.00}. 
Issues : o Conflicting coding ( Closed vs XXXX ). 
o XXXX XXXX. 
Law Violated : FCRA 607 ( b ), 611, 623 ( a ) ( 5 ) ; FDCPA 807 ( false representation of balance ). 
XXXX XXXX Fields Breached : Field XXXX, XXXX. 
Explanation : XXXX settled while still coding as collection is deceptive. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Quote : Account Status : Open / Payment Status : Current / Balance {$24000.00} / High Balance {$31000.00} / Remarks : Dispute resolved; reported by XXXX / XXXX : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Issues : o Past-due reported as {$0.00} while lates appear in XXXX XXXX inconsistent. 
o XXXX missing. 
o Dispute remark improperly shows resolved despite ongoing dispute.

Law Violated : FCRA 607 ( b ), 611, 623 ( a ) ( 3 ).

Metro 2 Fields Breached : Field XXXX ( Status ), Field XXXX ( Payment History ), Field XXXX ( Past Due ). 
Explanation : Misreporting lates with {$0.00} past due is inaccurate and misleading ; failure to maintain dispute flag violates XXXX ( a ) ( XXXX ). 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Quote : Account Status : Open / Collection/Chargeoff / Balance {$630.00} / Past Due {$630.00} / Original Creditor : XXXX  / Remarks : Account information disputed by consumer, meets FCRA requirements. 
Issues : o Coded as XXXX XXXX with no DOFD. 
o Remarks improperly state meets FCRA requirements without providing evidence.

Law Violated : FCRA 607 ( b ), 611, 623 ( a ) ( 5 ), 623 ( a ) ( 3 ) ; FDCPA 807.

Metro 2 Fields Breached : Field XXXX, XXXX, XXXX. 
Explanation : Collections can not be coded as XXXX. Re-aging suspected. 
XXXX. XXXX XXXX Acct # XXXX Factual Quote : Account Status : Open Collection/Chargeoff / Balance {$200.00} / Past Due {$200.00} / Original Creditor : XXXX  / Remarks : Account information disputed by consumer, meets FCRA requirements. 
Issues : o XXXX XXXX XXXX coding. 
o XXXX missing. 
o XXXX remark not proof under Cushman.

Law Violated : FCRA 607 ( b ), 611, 623 ( a ) ( 5 ), 623 ( a ) ( 3 ) ; FDCPA 807.

Metro 2 Fields Breached : Field XXXX, XXXX, XXXX. 
Explanation : Improper coding and unverifiable debt ; dispute flag misreported. 
Hard Inquiries TransUnion XXXX XXXX XX/XX/XXXX [ No other TU inquiries listed except XXXX XXXX ]

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