Consumer complaint received 2025-09-22 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:
Re : Formal Dispute & Request for Independent Reinvestigation ( FCRA 607 ( b ), 611 ; 623 ; Reg V ) File Security Note : Your file shows EFCRA EXTENDED FRAUD ALERT. Maintain all FCRA 605A protections.

Dear TransUnion Reinvestigations, I dispute the completeness and accuracy of the items below. For each, I demand an independent reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) using original, underlying business records running statements/ledgers that show ( a ) the statement cycle and due date, ( b ) the date payment was received, and ( c ) the date payment was posted for each month you report as late. 
XXXX XXXX codes, ACDVs, and generic verified as accurate responses are not proof. See XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ). If any item can not be verified to that standard, delete the late ( XXXX ) or delete the entire tradeline per 611 ( a ) ( 5 ) ( A ). Mark the account disputed during your inquiry per 623 ( a ) ( 3 ).

Items Disputed ( TransUnion file ) 1 ) XXXX XXXX XXXX XXXX  ) Charge-off with XXXX late history Your file shows : Derogatory Collection/Chargeoff Charged off as bad debt, Balance {$410.00}, Past Due {$410.00}, Canceled by credit grantor, yet Days Late 7 Year History : 30 : 0 / 60 : 0 / 90 : 0.

Violations : FCRA 607 ( b ) ( maximum possible accuracy ) ; 611 ( a ) ; 623 ( a ) ( 1 ) ( A ) ; Reg V integrity. 
XXXX XXXX defects : Payment Rating/PHR inconsistent with charge-off ; Current Balance / Charge-Off Amount / Past Due fields conflict with comments. 
All late months are disputed. Produce ledgers for each month allegedly delinquent prior to charge-off. Codes proof. If you can not independently verify, delete the late history and the charge-off, or the entire tradeline. 
XXXX ) XXXX XXXX  Severity understatement Your file shows : Closed / Late 30 Days while the two-year grid shows severe cascades including 30/60/90/120 ( e.g., 120 in XX/XX/XXXX in XX/XX/XXXX in XX/XX/XXXX in XXXX XXXX ; also XXXX in XX/XX/XXXX in XX/XX/XXXX, etc. ). 
Problem : The descriptor understates severity and misleads users607 ( b ). 
XXXX XXXX : Payment Status must align with the XXXX and actual month-level history. 
All late months are disputed. Provide monthly ledgers for each late month displayed. If not verified per XXXX, delete the lates or the tradeline. 
XXXX ) XXXX  XXXX ( acct ending XXXX ) Status conflict Your file shows : Open / Current ( Balance {$360.00}, XXXX {$400.00} ). 
Cross-bureau conflict : XXXX report Closed / Current ( and closed by credit grantor/paid ). 
XXXX XXXX : Account Status, Date Closed, Current Balance, Special Comment must be consistent. 
All late months are disputed ( your grid shows late history such as XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ). Provide ledgers for each. If you can not reconcile the Open vs Closed status with documentary proof, correct or delete. 
XXXX ) XXXX XXXX Your file shows : Open / Late 30 Days / Past Due {$10.00}, yet your two-year grid lists OK for the same period. 
Violation : Internal contradiction violates 607 ( b ). 
XXXX XXXX : Payment Status/Past Due must align with XXXX.

All late months are disputed. Provide ledgers for XX/XX/XXXX ( and any other month you allege ). If not independently verified, delete the late or the tradeline.

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