Consumer complaint received 2025-10-15 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:
XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX of Georgia ) Acct [ ] Subject : Formal Dispute & Deletion Demand Spring Oaks Capital ( World Finance ), Acct [ ] TransUnion : I dispute this tradeline under FCRA 611 ( a ) ( 1 ) ( A ). Your file shows Account Type : Installment / Collection-Installment, Status : Closed, Balance : {$840.00}, Past Due : {$0.00}, and even Was 90 days late XXXX time ( XXXX ) on a collection. These coding choices are inaccurate and misleading, violating XXXX ( b ) and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX breaches : Portfolio/Account Type ( must be Collection segment ) ; Account Status Code ; Payment History Profile/Rating ( PHP ) ( late-grid is improper on a collection ) ; FCRA XXXX ; Date of Last Payment/Last Activity ( DLP/DLA ) ; Current Balance vs Amount Past Due ; XXXX Creditor ; Special Comment. Demand : I dispute all late months. Provide running statements/ledger proving due date receipt posting for every late. Codes are not proof. XXXX XXXX v. TransUnion ( XXXX XXXX XXXX ), conduct an independent reinvestigation ; if not verified to that standard, delete under 611 ( a ) ( 5 ) ( A ). Non-compliance will trigger XXXX complaints and XXXX XXXX XXXX. Enclosures : ID, proof of address, highlighted TU pages. 
XXXX ) XXXX XXXX XXXX XXXX : The Bank XXXX Missouri Acct [ ] Facts ( TU ) : Installment / Collection-Installment ; Status : Closed ; Balance : {$770.00} ; Past Due : {$0.00} ; DLA : XXXX ; late-grid : Was 90 days late XXXX time ( XXXX ). Law/Metro XXXX XXXX Same legal posture as above ; fix Portfolio Type/Status/PHP/DOFD/DLP-DLA/Past-Due logic ; independent reinvestigation ; delete if not verified ; all late months XXXX ; codes proof. Enclosures : As above. 
XXXX ) XXXX XXXX XXXX XXXX : XXXX Bank Acct [ ] Facts ( TU ) : Installment / Collection-Installment ; Status : Closed ; Balance : {$340.00} ; Past Due : {$0.00} ; DLA : XXXX ; late-grid : Was 90 days late XXXX time ( XXXX ). Law/Metro XXXX XXXX As above. 
XXXX ) XXXX XXXX XXXX XXXX : XXXX Bank Acct [ ] Facts ( TU ) : High Credit : {$800.00} vs Balance : {$860.00} ; Past Due : {$0.00} ; late-grid : Was 90 days late XXXX time ( XXXX ). 
XXXX XXXX fixes : XXXX segment, remove late-grid ; reconcile High Credit/Balance/Past-Due ; confirm XXXX and XXXX. All late months disputed ; ledger required ; codes proof ; XXXX ; delete if not verified. 
XXXX ) Collection Receivables XXXX : XXXX XXXX Acct [ ] Facts ( TU ) : Status : Closed ; comments include charge-off/collection language. Defect : Another bureau labels this Refinanced for the same debtmisleading for a third-party collection. XXXX XXXX : Remove improper Special Comment ( Refinanced ), correct Status, XXXX, XXXX XXXX and keep in Collection segment. All late months disputed ; ledger ; codes proof ; XXXX ; delete if not verified. 
XXXX ) XXXX XXXX XXXX ( list each separate LVNV account you have ) LVNV/WEBBANK AVANT Acct [ ] ( TU facts ) : Installment / Collection-Installment ; Status : Closed ; Past Due : {$1400.00} ; DLA : XXXX ; XXXX : Was 90 days late XXXX time ( XXXX ). 
LVNV/CREDIT XXXX Acct [ ] ( TU facts ) : Past Due : {$1400.00} ; DLA : XXXX ; late-grid : Was 90 days late XXXX time ( XXXX ). 
LVNV/CREDIT XXXX Acct [ ] ( TU facts ) : Past Due : {$1000.00} ; DLA : XXXX ; late-grid : Was 90 days late XXXX time ( XXXX ). 
XXXX XXXX Acct XXXX ] ( TU facts XXXX : Past Due : {$340.00} ; DLA : XXXX ; late-grid : Was 90 days late XXXX time ( XXXX ). Law/Metro XXXX XXXX For each : correct XXXX XXXX logic ; independent reinvestigation ; all late months disputed ; codes XXXX XXXX XXXX if not verified. 
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Acct [ ] Facts ( TU ) : Account Type : Collection-Installment ; Status : Open ; Balance : {$160.00} ; Comments : Consumer disputes this account information. XXXX XXXX XXXX XXXX XXXX segment usage, confirm DOFD/DLP/DLA/Status. All late months disputed ; ledger ; codes proof ; XXXX ; delete if not verified. 
XXXX ) SLOAN/NELNET ( XXXX loans ) Accts [ mask each sub-loan ] Facts ( TU ) : For each component : Payment Status : XXXX ; Past Due : $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$53.00} ; Comments : Account delinquent 180 days past due date ; DLP : XXXX ( while other bureaus show XXXX ). XXXX XXXX : Payment Rating/PHP, XXXX, XXXX, XXXX XXXX XXXX Balance alignment. Demands : All late months disputed ; furnish ledger ; codes proof ; independent reinvestigation per XXXX ; delete if not verified. 
XXXX ) Capital XXXX Revolving Charge-Off Acct [ ] Facts ( TU ) : Past Due : {$360.00} ; DLA : XXXX ; late-grid shows XXXX XXXX ( other bureaus differ ). XXXX XXXX : Fix PHP/DOFD/DLA/Past-Due consistency XXXX all late months XXXX ; ledger ; codes proof ; XXXX ; delete if not verified. 
XXXX XXXX XXXX XXXX XXXX XXXX Paid Charge-Off Acct [ ] Facts ( TU ) : Comments : Paid charge off ; Payment Status : still CollectionOrChargeOff ; late-grid : XXXX XXXX ( other bureaus show more ). XXXX XXXX : Post-payment Status/Special Comment must be accurate ; align PHP/DOFD/DLA. All late months disputed ; ledger ; codes proof ; XXXX ; delete if not verified. 
XXXX ) World Finance ( XXXX ) CO / Purchased by another lender Acct [ ] Facts ( TU ) : Comments : Purchased by another lender, CO ; late counts present. XXXX XXXX : Correct post-sale coding ; align PHP/DOFD/DLA. All late months disputed ; ledger ; codes proof ; XXXX ; delete if unverified. 
XXXX ) Comenity ( XXXX XXXX ) CO / Purchased by another lender Acct [ ] Facts ( TU ) : High Credit : {$0.00} ( while others show {$340.00} ) ; CO and Purchased by another lender. Demands : Fix High Credit, post-sale coding, XXXX XXXX XXXX ; XXXX late months disputed ; ledger ; codes proof; delete if unverified. 
XXXX ) XXXX XXXX CO XXXX XXXX by another lender Acct [ ] Facts ( TU ) : High Credit inconsistent across bureaus ; CO & Purchased by another lender. Demands : As above. 
XXXX ) CRDTONEBNK ( Credit XXXX ) Severe Delinquency Acct [ ] Facts ( TU ) : Payment Status : XXXX ; Past Due : {$320.00} ; Comments : Account previously in dispute now resolved by data furnisher. Demands : Provide ledger supporting each late ; correct PHP/DOFD/DLA ; all late XXXX disputed ; codes proof ; XXXX ; delete if not verified. 
XXXX ) Kikoff Lending ( Revolving CO ) Acct [ ] Facts ( TU ) : Past Due : {$12.00} with CO and XXXX. Demands : Align Status/Past-Due/PHP/DOFD/DLA ; all late months disputed XXXX ledger ; codes XXXX; delete if unverified. 
XXXX ) Kikoff Lend ( Installment ; paid from collateral ; XXXX ) Acct [ ] Facts ( TU ) : Status : Closed with {$0.00} balance but Payment Status : XXXX and Account paid from collateral. Demands : Ensure final XXXX matches {$0.00} XXXX ; align PHP/DOFD/DLA ; all late months disputed XXXX ledger ; codes XXXX; delete if unverified.

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