Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX | SSN : XXXX XXXX XXXXXXXX | Phone : XXXX | Email : Date : XX/XX/XXXX A. TransUnion To : TransUnion XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : FCRA 611 ( a ) Reinvestigation Request Inaccurate/Unverifiable/Non-conforming Reporting Dear TransUnion Dispute Department , I request a reinvestigation under FCRA 611 ( a ) and correction/deletion under 607 ( b ) of the items below. Each contains factual and/or Metro 2 reporting defects, incomplete data, or inconsistent reporting across bureaus that materially misrepresents my creditworthiness. 

Items in Dispute ( TransUnion ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX | Type : Collection/Open account | Opened : XX/XX/XXXX | Balance : {$2400.00} | Last Reported : XX/XX/XXXX. 

Issues : ( a ) Inconsistent classification ( Open vs. Collection ), ( b ) Account information disputed by consumer persists without corrected investigation coding, ( c ) Need accurate DOFD and Compliance Condition Code reflecting dispute/collection per Metro XXXX XXXX 

Requested Action : Provide full verification with DOFD per FCRA 623 ( a ) ( 5 ) ; correct all Metro 2 fields or delete if unverifiable. 

Credit Report - XXXX XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX ) Medical Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$1800.00} | Last Reported : XX/XX/XXXX | Comment : Disputed by consumer. 

Issues : Medical collection requires accurate assignment/authority and itemization ; ensure Payment Rating/Account Status codes match a collection ( no mixed open account coding ). Provide DOFD and source documentation. 

Requested Action : Correct coding or delete if unverifiable/incomplete. 

Credit Report - XXXX  XXXX  XXXX ( Charged-off Revolving ) Acct # XXXX | Opened : XX/XX/XXXX | Status : Charge-off | Last Reported : XX/XX/XXXX | Bal/Past Due : $ XXXX {$290.00} shown. 

Issues : Ensure Charge-off is not simultaneously coded as closed/paid in any field ; verify Date of Last Payment and DOFD used to calculate obsolescence under 605 ( a ) ; remove any duplicate/past-due coding after charge-off if not consistent with Metro 2. 

Requested Action : Correct or delete if unverifiable. 

Credit Report - XXXX  XXXX XXXX XXXX ( Charged-off Revolving ) Acct # XXXX | Status : Charge-off | Last Reported : XX/XX/XXXX | Bal/Past Due : $ XXXX {$1000.00}. 

Issues : TransUnion shows CO with active past-due ; verify Payment Rating and Past Due fields post-charge-off ( Metro 2 prohibits contradictory status/past-due combinations ). 

Requested Action : Correct or delete if unverifiable. 

Credit Report - XXXX XXXX XXXX ( Orig. : XXXX XXXX XXXX, XXXX. ) Acct # XXXX | Opened : XX/XX/XXXX | XXXX : {$930.00} | Comment : Disputed by consumer. 

Issues : Confirm assignment/ownership, DOFD from the original account, and no double-listing with original creditor ( duplicate derogatory ). 

Requested Action : Verify with original source data per 611 ( a ) /623 ( b ) or delete. 

Credit Report - XXXX  Enclosures : ID, proof of address. 
Please provide results and an updated report. If unverifiable within the statutory period, delete the entries. 

Sincerely, /s/ XXXX 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