Consumer complaint received 2025-09-11 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:
I formally dispute inaccurate, incomplete, and unverifiable information on my TransUnion consumer file. This dispute is made pursuant to FCRA 607 ( b ), 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
A. Identity Errors Name must report as XXXX XXXX XXXX. Variants ( XXXX XXXX ) are misleading. 
Current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove obsolete/duplicate XXXX XXXX variants. Metro 2 Fields Violated : XX/XX/XXXX ( XXXX XXXX ), XXXX ( Address ). 
B. Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Provide documentary proof ( signed application or permissible purpose under FCRA 604 ) or delete. Codes are not proof.

Enclosures : ID & proof of address. 
Sincerely, XXXX XXXX XXXX XXXX XXXX  . Dept. of Education / XXXX  ( XXXX ) Acct # : XXXX Balance {$86000.00} Past-Due {$11000.00} Status XXXX days past due Defects : Inconsistent balances/status across bureaus. 
XXXX  missing ( 623 ( a ) ( 5 ) ). 
Truncated acct number ( Field XXXX ). 
Payment history conflicts ( XXXX XXXX ). 
Disputed Late Months ( XXXX  ) : XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) ; any/all other XXXX. 
Demand : Produce running statements/ledger showing statement date, due date, receipt, and posting for each late. If not verified to XXXX standard, delete lates or tradeline. 
XXXX. XXXX XXXX ( XXXX ) Acct # : XXXX Balance {$1200.00} Past-Due {$930.00} Status 90 days past due Comment Repossession ; redeemed Defects : Past-due mismatch vs XXXX  ( {$620.00} ). 
Repo remark missing at XXXX. 
Truncated acct number. 
Conflicting history. 
Disputed Late Months ( XXXX  ) : XXXX entries coded XX/XX/XXXX ( XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. ). 
Demand : Provide complete ledger and repo notices. If not verified, delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Balance {$590.00} Type misreported Open account Defects : Wrong type ( should be Collection ). 
XXXX  acct number. 
XXXX  missing. 
Demand : Provide original creditor bills, assignment contract, XXXX. Delete if not verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX Balance {$1000.00} Type Open account ( should be Collection ) Defects : Wrong type. 
Truncated acct number. 
XXXX  missing. 
Demand : Provide contract, itemization, XXXX. Delete if not verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Balance {$500.00} Charged off Defects : Truncated acct number. 
History inconsistent vs XXXX 
XXXX conflicts. 
Dispute notation inconsistent ( 623 ( a ) ( 3 ) ). 
Disputed Months : All lates/charge-off months. 
Demand : Provide ledger for each late and CO calculation ; delete if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX Closed Balance {$0.00} Status Pays as agreed Defects : Truncated acct number. 
Closed vs pays as agreed contradiction. 
XXXX conflicts. 
Demand : Correct or delete.

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