Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( reinvestigation ), 1681i ( a ) ( 2 ) ( notice to furnishers ), 1681i ( a ) ( 5 ) ( deletion/correction of unverifiable data ), 1681i ( c ) ( dispute notation ), and 1681g ( a ) ( full file disclosure & sources ). Given the extended fraud alert on my file ( 605A / 15 U.S.C. 1681c-1 ), you must apply heightened identity-verification procedures. 
I dispute the completeness and/or accuracy of the following items. Please reinvestigate and delete ( or fully correct ) any item you can not verify to FCRA standards. For each item, provide a XXXX of XXXX per 1681i ( a ) ( 6 ) ( B ) ( iii ) and a description of procedures used per 1681i ( a ) ( 7 ) : 1. XXXX ( Acct ending XXXX ) reporting Derogatory/Charge-off with balance {$410.00}, XXXX XX/XX/XXXX, opened XX/XX/XXXX. 
o XXXX : No two-year payment history is shown on XXXX ; XXXX reports a long sequence of lates and an open charge-off, while XXXX shows Closed/Charge-off with Canceled by credit grantor. These conflicts indicate inaccurate/incomplete reporting ( violates 1681e ( b ) ). 
o Demand : Verify original creditor, Date of First Delinquency XXXX XXXX ), complete payment history, charge-off date, and present balance/collectability. Delete if unverifiable/inconsistent. 
XXXX. XXXX XXXX ( Acct ending XXXX ) Closed/Current, balance history {$410.00}, XXXX XX/XX/XXXX XXXX 
o XXXX : Prior late codes and dispute resolved remarks appear inconsistent across bureaus and timeframes. Confirm whether any late codes were posted after closure or without proper notice. 
o Demand : Provide XXXX XXXX, and basis for any derogatory codes. Remove any inaccurate lates/remarks and correct status uniformly across bureaus. 
XXXX. XXXXXXXX XXXX ( Acct ending XXXX ) Closed/Current, prior lates ( XXXX ). 
o XXXX : Account indicates last activity XX/XX/XXXX yet shows late codes into XXXX, which would be impossible after closure or suggests re-aging or misreporting ( violates 1681e ( b ) ). 
o Demand : Provide MOV and full payment timeline supporting post-closure lates. Delete the derogatory history or the tradeline if you can not substantiate. 
XXXX. XXXX ( Acct ending XXXX ) status shows Open / Terminated ( internally contradictory ). 
o Issues : XXXX  shows Authorized User ; XXXX  shows Open/Terminated. This inconsistency is inaccurate/ambiguous. 
o Demand : Correct to a single accurate status ( and XXXX designation if applicable ) or delete if unverifiable. 
XXXX. XXXX XXXX ( Acct ending XXXX ) XXXX shows Open/Current ; XXXX reports XXXX 30-day late. 
o XXXX : Cross-bureau inconsistency. 
o Demand : Validate the late payment date and proof ; remove any unverified derogatory code. 
XXXX. XXXX  authorized-user lines & other positive/closed items o XXXX : Ensure XXXX  coding, limits, balances, and dates are uniform across all CRAs. Correct or delete any data that can not be verified as accurate and complete. 
XXXX XXXX ( Permissible Purpose 1681b ) : Please provide the permissible purpose, date, and certification for each of the following ( past XXXX years on my XXXX file ). Delete any lacking a permissible purpose or consumer authorization : XXXX XXXX ( XX/XX/XXXX ), XXXX AUTO ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX appears twice ), XXXX XXXX  XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), and any other inquiries appearing on your file that are not tied to an application I authorized.

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