Consumer complaint received 2025-10-14 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 XXXXXXXX XXXX XXXX XXXX XXXX ( Collection ) Acct # ( XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand for Independent Reinvestigation & Deletion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I dispute this entire tradeline. Your file shows mixed Installment / Collection, Closed / Open, and no FCRA Date of First Delinquency, which violates FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ) and XXXX XXXX XXXX. XXXX XXXX fields breached include XXXX Type/Account Type/Account Status/XXXX/Payment History Profile/Original Creditor Name. 
I dispute every late month ever reported. Produce running statements/ledger ( invoice due date, payment receipt, and posting for each late ). Codes are not proof. Under XXXX v. 
TransUnion, XXXX XXXX XXXX, you must obtain independent verification, not parroting. If not verified to that standard, delete the derogatory data or the entire tradeline under 611 ( a ) ( 5 ) ( A ). I will file XXXX complaints and XXXX XXXX XXXX if necessary. 
Enclosures : ID, address proof, highlighted XXXX pages. 
XXXX ) XXXX XXXX XXXX ( multiple placements ) Acct # XXXX ( TU ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand for Independent Reinvestigation & Deletion XXXXXXXX XXXX ( XXXX XXXX files ) These are coded as Installment/Collection hybrids, show Past Due like open loans, and include revolving-style XX/XX/year> histories improper for collections. Violations : FCRA 607 ( b ), 611 ; XXXX XXXX XXXX ; FDCPA 807 ( 8 ). XXXX XXXX : XXXX Type ( Collection ), Amount Past Due ( should not be present for collections ), XXXX, XXXX, Original Creditor. 
All late months disputed. Provide original-creditor ledgers ( due/receipt/posting ). Codes proof. If not independently verified ( XXXX ), delete the lates/inaccuracies or the tradelines per 611 ( a ) ( 5 ) ( A ). 
Enclosures : ID, address proof, XXXX pages. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Independent Reinvestigation & Deletion XXXX XXXX XXXX Collections are mis-coded as Installment with past-due and late grids ; XXXX missing/unclear. 
This breaches FCRA 607 ( b ), 611 ; XXXX XXXX XXXX ; FDCPA 807 ( 8 ) and XXXX XXXX ( XXXX XXXX/Amount Past Due ). 
I dispute every late month. Provide running statements/ledger. Codes are not proof. If not independently verified ( XXXX ), delete per 611 ( a ) ( 5 ) ( A ). 
Enclosures : ID, address proof, TU pages. 
XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand for Independent Reinvestigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX status conflicts, and no XXXX violate FCRA 607 ( b ), 611 and XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX 
All late months disputed ; send ledger ( due/receipt/posting ). Codes proof. If not independently verified ( XXXX ), delete under 611 ( a ) ( 5 ) ( A ). 
Enclosures : as above. 
XXXX ) XXXX XXXX XXXX ( XXXX files ) Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand for Independent Reinvestigation & Deletion XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX lack XXXX and proper collection coding FCRA 607 ( b ), 611 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXOriginal Provider. 
All late months disputed ; provide itemized statements/XXXX  ( due/receipt/posting ). Codes proof. If not independently verified, delete per 611 ( a ) ( 5 ) ( A ). 
Enclosures : as above. 
XXXX ) XXXX XXXXXXXX Bank Charged-Off Card Acct # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand for Independent Reinvestigation XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Past Due and continuing late grids not XXXX XXXX for Charge-off status. Violations : FCRA 607 ( b ), 611 ; XXXX XXXX XXXX. 
All late months disputed ; provide ledger. Codes proof. If not independently verified, delete lates or the tradeline under 611 ( a ) ( 5 ) ( A ). 
Enclosures : as above. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Secured Installment Acct # XXXX XXXX XXXX  ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( secured ) Subject : Demand for Independent Reinvestigation & Deletion XXXX XXXX  XXXX on a closed {$0.00} account, and past due post-charge-off Metro XXXX Account Status/Amount XXXX Due/XXXX XXXX ; FCRA/Reg V violations. 
All late months disputed ; demand ledger. Codes proof. If not independently verified, delete per 611 ( a ) ( 5 ) ( A ). 
Enclosures : as above. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand for Independent Reinvestigation XXXX XXXX XXXX XXXX  ( XXXX ) Once sold/charged-off, XXXX must report {$0.00} balance and stop late progression. Current coding violates XXXX XXXX and FCRA/Reg V . 
All late months disputed ; provide ledger. If not independently verified, delete/correct per 611 ( a ) ( 5 ) ( A ). 
Enclosures : as above. 
XXXX ) XXXX XXXX XXXX XXXX XXXX ) Acct # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Independent Reinvestigation & Deletion XXXX XXXX XXXX ) Reporting Collection/Charge-off with {$0.00} balance yet residual derogatory coding is misleading under XXXX XXXX ( sold/settled XXXX ). FCRA/Reg V violations. 
All late months disputed ; provide ledger. If not independently verified, delete under 611 ( a ) ( 5 ) ( A ). 
Enclosures : as above. 
XXXX ) XXXX XXXX ( Lease ) Acct # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for XXXX XXXX XXXX XXXX XXXX XXXX XXXX coded as Collection/CO with past due and no XXXX Metro XXXX XXXX coding breach ; FCRA/Reg V violations. 
All late months disputed ; provide ledger. If not independently verified, delete under 611 ( a ) ( 5 ) ( A ). 
Enclosures : as above.

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