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: SC

Complaint narrative:
Subject : XXXX Dispute Inaccurate, Incomplete, and Unverifiable Reporting ( Multiple Tradelines ) Dear TransUnion Dispute Department XXXX I dispute the accuracy and completeness of the tradelines below on my TransUnion report and demand a lawful reinvestigation under FCRA 611 ( a ). The items contain inaccurate, incomplete, contradictory, and/or unverifiable information in violation of FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( b ) ; Regulation V ( 12 C.F.R. Part 1022 ) ; and raise GLBA safeguard/permissible-purpose issues ( 15 U.S.C. 68016802 ; FCRA 604 ). Unverifiable items must be deleted ( 611 ( a ) ( 5 ) ( A ) ). 
Accounts in Dispute ( TransUnion file ) 1 ) XXXX  ( XXXX XXXX XXXX ) XXXX XXXX Apartments Collection ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defects : o Consumer disputes after resolution / subscriber disagrees while still coded CollectionOrChargeOff ( unresolved accuracy question ). 
o Report appears to show Date Last Active XXXX yet the other bureau shows XXXX activitycontradictory activity chronology. 
o Missing Date of First Delinquency ( DOFD ) required for obsolescence tracking ; unclear assignment/chain of title from original creditor. 
Metro-2 fields implicated : Current Status / Account Status ( Flds 1719 ) ; DOFD ( Fld 71 ) ; Date Reported/Date of Account Info ( Flds 2425 ) ; Consumer Information / Compliance Condition Code if a dispute/resolution is present. 
Demand : Provide lease/contract, complete ledger ( due dates, receipts, postings ), itemized balance, DOFD, and assignment/authorization ; otherwise delete. 
2 ) XXXX  ( XXXX XXXX XXXX ) XXXX Collection ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Defects : o TU shows Past Due = {$1200.00} while another bureau lists Past Due {$0.00} for the same collectionmaterial inconsistency. 
o Date Last Active XXXX but the other bureau shows XXXX activity ; also an implausible counter Was 90 days late 17 time ( s ) for a collection account. 
o No evidence of chain of title, original agreement, or itemized charges ( principal, interest, fees ). 
Metro-2 : Collection coding vs. past-due math ; DOFD ( Fld 71 ) ; Date Opened for collection ; Account Status/Current Status. 
Demand : Produce contract, assignment/chain of title, itemization, XXXX, and method of verification ; otherwise delete. 
3 ) XXXX  XXXX ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Revolving * * Defects : o Coded AsAgreed/Open with {$0.00} past due, yet the tradeline is flagged Negative misclassification. 
o Prior dispute comments ( account previously in disputenow resolved ) require proof of a reasonable, independent reinvestigation ( not mere parroting ). 
Metro-2 : Account Status ( Fld 19 ) and Payment History Profile must not mislead ; Compliance Condition Code if dispute present. 
Demand : Either remove the negative classification ( and any unverified late markers ) or delete if not verified via original records. 
XXXX & XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( CRA must do more than parrot furnishers ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( misleading reporting violates 607 ( b ) ).

Required Actions ( within 30 days 611 ) 1. Delete any item not verified with original contracts, full payment ledgers, DOFD, itemized balances, and assignment/authorization ( for collections ). 
2. Correct misclassified statuses ( e.g., XXXX XXXX coded As Agreed but shown as Negative ). 
3. Provide the Method of Verification with furnisher names/contacts ( 611 ( a ) ( 6 ) ( B ) ( iii ) ) and mail an updated consumer disclosure.

Failure to ensure maximum possible accuracy ( 607 ( b ) ) and a reasonable reinvestigation ( 611 ) will prompt CFPB/FTC/State AG complaints and pursuit of remedies under FCRA 616617.

Company response to consumer: Closed with non-monetary relief