Consumer complaint received 2025-10-01 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:
Under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ), I dispute the items below. Codes are not proof. You must conduct an independent reinvestigation ( see XXXX v. TransUnion, XXXX XXXX XXXX ) and obtain documentary evidence ( running statements + payment posting ledger proving due date date received date posted for each disputed month ). If not verified to that standard, delete the late codes or the entire tradeline. 
XXXX ) XXXX XXXX XXXX ( Acct XXXX ) late codes Your report shows : Payment Status Paid or paying as agreed, yet XXXX lates appear in the history for XX/XX/XXXX and XX/XX/XXXX ( see extended history grid ). 
All late months disputed : XX/XX/XXXX ; XX/XX/XXXX. 
FCRA/Reg V : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) ; Reg V 12 C.F.R. 1022.42 ( furnisher accuracy ).

Metro 2 fields breached : Base Segment, Field 17 Current Status ( late coding ) Field 18 Payment Rating / Payment History Profile ( PHP ) ( month-by-month late codes ) DOFD ( if any CO sequence was ever relied upon ) Short legal point : Late codes must match actual delinquency. Without ledgers showing the payment was 30 DPD in those months, the coding is inaccurate/misleading under 607 ( b ). 
Demanded proof : For XX/XX/XXXX and XX/XX/XXXX : statement, due date, amount due, date received, date posted, and any deferral/forbearance notations. 
XXXX XXXX XXXX XXXX  ( Acct XXXX business card ) XXXX in XX/XX/XXXX + payment-amount mismatch across bureaus Your report shows : Extended history marks XXXX for XX/XX/XXXX ; Scheduled Monthly Payment shows {$340.00}. Other CRAs conflict ( Experian shows current/ {$0.00} ; XXXX shows current with {$400.00} payment figure ). 
All late months disputed : XX/XX/XXXX. 
FCRA/Reg V : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) ; Reg V 1022.42 ( b ) ( consistent, non misleading furnishing ).

Metro 2 fields breached : Field 17 Current Status ; Field 18 / PHP ( late month ) Field 26 Scheduled Monthly Payment Amount ( conflicts across CRAs ) Short legal point : At least one bureaus late coding/payment figure is wrong. Without the statement and posting ledger proving XX/XX/XXXX reached 30 DPD, the late must be deleted ; Field 26 must be corrected consistently.

Demanded proof : Full cycle statement & ledger for XX/XX/XXXX ; basis for XXXX XXXX. 
Identity header mixed-file risk ( optional correction ) Your header lists XXXX XXXX XXXX as the current name. If XXXX XXXX XXXX is my current legal name, set it as Primary and demote any valid prior name to AKA ; delete any name variant that is not mine. ( 607 ( b ), 611 ; Metro 2 Header Name fields. ) If you can not verify to XXXX standard, delete/correct under XXXX ( a ) ( XXXX ) ( A ). 
Noncompliance will result in complaints to the CFPB/FTC/GA AG and suit under 15 U.S.C. 616617.

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