Consumer complaint received 2025-06-30 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:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the following account appearing on my credit reports from TransUnion, Experian, and Equifax : attachment Enclosed Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Installment Date Opened : XX/XX/XXXX Upon thorough review, I have found this account to be in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines, based on the following inconsistencies and factual errors : Metro 2 / FCRA Violations and Inconsistencies : Inconsistent High Credit Reporting : TransUnion and Experian both report the high credit as {$1000.00}, while Equifax reports only {$790.00}.

According to Metro 2 formatting, the original charge-off amount and high credit should be consistent across all bureaus and accurately reflect the loan terms. 

Conflicting Dates of Last Activity and Payment : TransUnion and Experian show the last payment as XX/XX/XXXX, yet Equifax shows XX/XX/XXXX. 

This discrepancy can cause unlawful re-aging of the debt or incorrect aging of delinquency, both of which violate FCRA 607 ( b ) and Metro 2 guidelines.

Reporting as Collection/Charge-Off with {$0.00} Monthly Payment : All three bureaus report a monthly payment of {$0.00} yet continue listing the account as open with an outstanding balance. 

This conflicts with the XXXX Account and XXXX status and is misleading to creditors and underwriters reviewing the report. 

Comment Field Errors & Dispute Status Mishandling : Equifax reports " Consumer disputes reinvestigation in progress '' but continues reporting derogatory statuses.

As per FCRA 611 and Metro 2 guidelines, an account under dispute must reflect the XXXX  code and suppress further derogatory reporting during investigation. 

Unverified and Inaccurate Payment History : TransUnion shows consistent CO ( Charge-Off ) statuses for each month, while Experian and Equifax display XXXX for overlapping months ( e.g., XXXX XXXX ), which is not possible for a charged-off account. 

This false positive reporting is misleading and indicates a failure to maintain accurate and complete records in compliance with FCRA 623.

Requested Resolution : I respectfully demand that the inaccuracies mentioned above be fully investigated and resolved. Specifically : Immediate reinvestigation of the XXXX account under FCRA 611.

Full removal of the account from all three credit bureaus due to non-compliance with Metro 2 standards and FCRA. 

Suppression of derogatory remarks during any dispute/reinvestigation period. 

Written confirmation of the results of your investigation. 
Failure to properly investigate and remove for violations may result in formal civil action for damages as allowed under FCRA 616, 617, and 623.

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