Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
RE : Formal Dispute of Inaccurate Reporting Violation of FCRA & Metro 2 StandardsAccount Name : XXXX XXXXAccount Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EOSCAR CODE : XXXX Not his/hersEOSCAR CODE XXXX XXXX Claims inaccurate informationEOSCAR CODE : XXXX Claims account closed by consumerEOSCAR CODE : XXXX Claims account status incorrect ISSUE I am disputing the accuracy, completeness, and compliance of the reporting of the above-referenced account. My credit files show inconsistent and conflicting information between TransUnion, Experian, and Equifax regarding : * High Balance ( Reported as {$480.00} by TU/EQ but {$0.00} by EX ) * Credit Limit ( Reported as {$300.00} by TU/EX but {$0.00} by EQ ) * Date of Last Activity ( Reported as XX/XX/XXXX TU, XX/XX/XXXX EX, XX/XX/XXXX EQ ) * Account Type & Status ( Reported as both Open/Revolving and Closed/Charge-off simultaneously ) * Payment History ( Reporting differs in months, severity, and sequence ) These inconsistencies can not all be accurate under FCRA 1681e ( b ) and violate Metro 2 reporting standards, which require uniformity across all CRAs. 

LAW FCRA Violations : * 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 
* 1681i ( a ) CRAs must conduct a reasonable reinvestigation and delete or correct information that is inaccurate, incomplete, or unverifiable. 
* 1681s-2 ( b ) Information furnishers must verify all data with documented proof and correct or delete unverifiable information. 
Metro 2 Compliance Violations : * Inconsistent Date of Last Activity is a direct violation of the Base Segment, Field 25 standard. 
* XXXXeporting a High Balance of {$0.00} while showing a Balance Owed is a violation of Field 17 accuracy requirements. 
* Contradictory account status codes ( closed vs revolving ) violate Account Status Code rules.

HARM TO CREDITWORTHINESS The current false reporting artificially : * Increases my credit utilization percentage, lowering my score. 
* Shows false late payments and derogatory statuses, lowering my payment history factor. 
* Causes denials of credit opportunities and higher interest rates, constituting financial harm under UDAAP. 

DEMAND FOR CORRECTION Under FCRA 611 and 623, I demand : 1. A full reinvestigation with original source documentation.

2. If 100 % verification with supporting documents is not possible, delete the account entirely from all CRAs.

3. Provide copies of all verification records, payment history, charge-off calculations, and signed contracts.

If not corrected within 30 days, I will escalate this matter to the CFPB, FTC, and my State Attorney General for enforcement action. 
Sincerely, [ XXXX XXXX ]

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