Consumer complaint received 2025-09-17 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: OH

Complaint narrative:
I dispute the following inaccurate PII you publish : ( a ) misspelled/altered names including XXXX XXXX XXXX XXXX b ) truncated/malformed addresses including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) stale/truncated employers ( XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ; and ( d ) your truncated fraud-alert rendering beginning XXXX XXXX XXXX XXXX INITIAL FRAUD ALERT. 
All late months associated with any items above are disputed. Produce running statements/ledger showing due date, payment receipt, and posting for each late month. Codes and grid marks are not proof. 
Law & Metro 2 : FCRA 607 ( b ), 611 ( 15 U.S.C. 1681e ( b ) ; 1681i ( a ) ( 1 ) ( A ) ; 1681i ( a ) ( 5 ) ( A ) ) ; XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fields. 
Conduct an independent reinvestigation. If you can not verify with documents, delete the inaccurate data. I will file CFPB/FTC/Ohio AG complaints and sue under XXXX. 
Enclosures : ID ; proof of address ; highlighted XXXXXXXX XXXX pages. 
XXXX XXXX XXXX ( Authorized User ) Status Conflict Re : XXXX ( XXXX ) XXXX shows Account Status : Open but Account Description : Terminated. 
I dispute this contradiction and all late months ( if any ). Provide the ledger/statements for any late coding. Codes proof. Fix XXXX XXXX Account Status / XXXX XXXX ( XXXX )/ Special Comment, or delete the tradeline. 
XXXX : XXXX ( b ) ; XXXX ; XXXX. Enclosures : ID ; address proof ; XXXX XXXX XXXX. 
XXXX ) XXXX Charge-Off / Improper Dispute Handling Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the charge-off and every late month you display or used to support it. For each month you coded XXXX, produce running statements/ledger ( due date, receipt, posting ). Codes proof. During reinvestigation, apply XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX can not independently verify per XXXX, delete the late data or the entire tradeline under XXXX ( a ) ( XXXX ) ( A ). 
XXXX : XXXX ( b ) ; XXXX ; Reg V 12 C.F.R. 1022.43. XXXX XXXX  fields at issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You report Profit and loss write-off yet do not display the FCRA XXXX. 
I dispute all late months and the XXXX. Provide ledger/statements and furnish XXXX per 623 ( a ) ( 5 ). Codes proof. If not independently verified, delete.

Authority : 623 ( a ) ( 5 ) ; 607 ( b ) ; 611 ; XXXX. XXXX XXXX : FCRA XXXX, Account Status, Date of Acct Info. Enclosures : ID ; address proof ; XXXX XXXX page. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Produce : ( i ) original creditor contract, ( ii ) full ledger ( due/receipt/posting ), ( iii ) purchase/assignment chain, and ( iv ) XXXX. If not verified independently, delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your grid shows XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX, while other XXXX show inconsistent XXXX. I dispute all late months. Provide running statements/ledger for each late. Codes proof. If not verified to XXXX standard, delete the late data or the tradeline. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX : XXXX, Payment Rating, Past Due, Date of Acct Info.

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