Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB COMPLAINT AGAINST XXXX Subject : XXXX  is reporting inaccurate, inconsistent, and conflicting information regarding my XXXX XXXX XXXX XXXX account and has failed to correct the errors after dispute. 

Account : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Type : Auto Loan CRA : XXXX What happened ( Summary of the Problem ) : XXXX  is reporting multiple inaccuracies and conflicting Metro 2 data elements on my XXXX XXXX XXXX XXXX account. The remarks, account status, payment information, and compliance condition codes conflict with each other in violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). These errors remain after I submitted disputes directly to the credit bureau. 

XXXX  reporting shows : Status : Collection / Charge-Off Remarks : Charged off as bad debt | Dispute resolved; reported by grantor Balance : {$7900.00} Original Balance : {$20000.00} Reported Date : Appearing in conflicting sections This reporting contains factual inconsistencies and non-compliant Metro 2 formatting. 



Why this is wrong : XXXX  is publishing information that is inconsistent, inaccurate, and misleading, including : XXXX. Conflicting Remarks Dispute resolved ; reported by grantor is not a Metro 2-approved remark and can not be combined with a charge-off notation. 
XXXX. Account Status Conflicts Charge-off can not coexist with a dispute resolution remark. 
Metro 2 requires internal consistency across : Account status Special comments Compliance condition codes ( CCC ) 3. Balance Reporting Errors If the account was charged off and transferred or assigned, the balance should be {$0.00}. 
A charged-off account can not continue showing an active outstanding balance without full supporting data. 
XXXX. Data Harmony Violations Different sections of the XXXX  report show inconsistent dates and conflicting fields a violation of FCRA 607 ( b ). 
XXXX. Failure to Conduct a Proper Reinvestigation XXXX  verified the information without correcting the acknowledged Metro 2 violations, violating FCRA 611. 

XXXX XXXX DATA REPORTING VIOLATION OUTLINE Account : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX The following Metro 2 fields are incorrect, incomplete, or conflicting : XXXX. Compliance Condition Code ( CCC ) Violations Incorrect use of dispute remarks that are not supported by valid dispute codes : Used : Dispute resolved; reported by grantor Not a valid Metro 2 code Not supported bXXXX XXXX XXXX. Account Status Conflicts Metro 2 requires logical consistency between : Account status Special comment Payment rating Dispute code Conflicts observed : Charge-off status Dispute resolution remark Active balance These can not legally coexist. 



3. Balance Reporting Errors Metro 2 requires : Balance = {$0.00} if account was sold or transferred Clear reporting of charge-off amount Consistent charge-off month Report shows : Charge-off {$7900.00} balance No proper charge-off amount field Inconsistent payment history fields XXXX. Special Comment Code Violations The special comment charged off as bad debt must align with : Payment rating Account status Charge-off amount XXXX balance after sale/transfer It does not. 



XXXX. Date Logic / Data Harmony Violations Conflicting : Reported date Last payment date Charge-off date Dispute resolution timeline Metro 2 requires internal consistency across all fields. 



6. Prohibited Language Metro 2 does not permit narrative text such as : Dispute resolved ; reported by grantor Only coded fields are allowed.

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