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: CA

Complaint narrative:
I dispute the accuracy and completeness of the items below. Treat this as a formal dispute and reinvestigation demand. You must conduct an independent, reasonable reinvestigation ( XXXX ), not a mere XXXX parroting, and you must obtain documentary proof from furnishers. Reporting codes are not proof. If any item can not be verified to this standard, delete it in full under 611 and 1681i ( a ) ( 5 ) ( A ). 
A. Identity/PII & Fraud-Alert Handling 1. Addresses/ Names Your file lists multiple conflicting addresses and employer/name artifacts ( XXXX XXXX ). 
o Violations : FCRA 607 ( b ) ( maximum possible accuracy ).

o Metro 2 : Base SegmentName, Generation, Address, City/State/ZIP must be uniform ; no mixed file elements ; properly maintain Fraud Alert handling notes XXXX 
o Demand : Remove any address/name/employer not tied to me by a verified tradeline and transaction history. Preserve and properly display my XXXX XXXX XXXX at all times ; provide your written procedures for fraud-alert handling. 
XXXX XXXX XXXX ( TransUnion file ) XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank credit card ) Status Closed Collection/Chargeoff, balance {$6100.00} ; remarks Canceled by credit grantor. 
o Dispute : Incomplete/contradictory historical coding and missing FCRA Compliance/Date of First Delinquency ( DOFD ) ; no evidence of charge-off event or balance progression ; inconsistent with other bureaus.

o Metro 2 : Account Status, Payment Rating, Payment History Profile ( PHP ), Compliance Condition Code ( CCC ) must reflect any dispute and lifecycle ( transfer/CO/paid ) . DOFD must be present and accurate.

o Demand : Produce the full running account ledger from 6 months before first alleged delinquency through charge-off ( statement cycles showing due date, receipt date, posting date, and running balances/fees ), charge-off memo, and DOFD support. All months marked CO/30/60/90 are disputed. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( credit card ) Paid after charge off/collection. 
o Dispute : If paid, then current balance must be {$0.00} with no ongoing negative Payment Rating ; ensure Date of Last Payment ( XX/XX/XXXX ) aligns with XXXX and removal period ; remove any post-payment derogatory coding. 
o Metro 2 : Account Status/Payment Rating/PHP, DOFD, Special Comment.

o Demand : Provide ledger and proof of charge-off, DOFD, and payment application. All derogatory months are disputed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( credit card ) Charged off as bad debt / Profit and loss write-off. * * o Dispute : Missing DOFD ; inconsistent characterization vs. other CRAs ; no proof of principal/fees calculation. 
XXXX Metro 2 : DOFD required ; Status/Rating/PHP must be consistent XXXX CCC must show active dispute when present. 
o Demand : Provide ledgers, DOFD proof, and charge-off calculation. All derogatory months are disputed. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( mortgage ) XXXX XXXX  TU shows historical 30/60/90 lates ( your own 7-year summary shows multiple serious delinquencies ). 
o Dispute : XXXX not supported by posted-payment evidence ; transfer/servicer changes ( HomeBridge/NR-SMS-CAL/RoundPoint ) can cause misapplied payments and re-aging violations. 
XXXX XXXX XXXX : Payment History Profile must reflect accurate cycle-level results ; Current Balance {$0.00} after transfer requires proper Account Status Transferred/Sold with correct Payment Rating and removal of ongoing derogatory coding. 
o Demand : Produce complete servicing payment histories ( cash ledger, due date, receipt, posting timestamps, suspense/partial applications, force-placed escrow, and transfer boarding files ). Every month you show as 30/60/90XX/XX/XXXX latespecifically including XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and any month coded XXXX in your summaryis disputed. Codes are not proof. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( credit card XXXX XXXX XXXX You list Open Terminated.

o Dispute : Open can not coexist with Terminated.

o Metro 2 : Account Status must be singular and accurate ; Special Comment can not contradict Status.

o Demand : Correct to a single accurate status or delete if unverifiable. Provide supporting documentation. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( credit card ) XXXX XXXX Remarks : Dispute resolved; customer disagrees, balance/limit figures inconsistent ( {$3.00} balance, {$0.00} limit reported ). 
o Dispute : If dispute remains, CCC must be XXXX. {$0.00} limit with an open card is illogical unless closed ; Payment Rating/PHP must align.

o Metro 2 : CCC ( active dispute ), Credit Limit/High Credit , Status/Rating/PHP. 
o Demand : Apply proper XB coding during reinvestigation and correct limit/status. Provide cardholder agreement & statements. All months with any derogatory/notation are disputed. 
XXXX Inquiries ( TransUnion file ) XXXX  ( XX/XX/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  ( XX/XX/XXXX ) o Dispute : Lack of permissible purpose under FCRA 604 ( a ).

o Demand : For each inquiry, provide the document bearing my signature or recorded, date-stamped digital authorization ; otherwise remove. 
Required Actions Independent verification with documentary evidence ( not codes ). 
If not verified to XXXX standard, delete the item or the entire tradeline under 1681i ( a ) ( 5 ) ( A ). 
Send me : full reinvestigation results, itemized changes, and the sources you contacted. 
Notice : Failure to comply will prompt complaints to XXXX XXXX and litigation for willful/negligent noncompliance under 15 U.S.C. 616617.

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