Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
I dispute multiple inaccurate and incomplete items on my TransUnion file dated XX/XX/XXXX. 
Your reporting violates FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ). 
Under XXXX v. TransUnion, XXXX XXXX XXXX, you must obtain independent verification not parroting XXXX codes. Codes are not proof. If you can not verify to that standard within the statutory time, you must delete the inaccurate data or delete the entire tradeline. 
I am disputing the following items ( and all late months listed for each ) : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Defects : You show Account Status : Open while the XXXX XXXX is Terminated XXXX XXXX also shows XXXX in XXXX XXXX. 
XXXX XXXX XXXX breaches : Field XXXX ( ECOA T Terminated ) conflicts with Field XXXX ( Open ) ; Field XXXX ( Payment History Profile ) must align with Field XXXX ( Date of Last Payment ) and severity. 
o All late months disputed : XXXX XXXX ( and any others on file ). 
o XXXX requested : Correct the XXXX conflict and remove any unsupported late code ( XXXX ), or delete the entire tradeline. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defects : Each shows Payment Status : Late XXXX Days, but the month-by-month XXXX  reflects only XXXX XXXX XX/XX/XXXX and otherwise OK. 
XXXX XXXX XXXX breaches : Field XXXX ( status/severity ) inconsistent with Field XXXX ( XXXX  ) ; if any charge-off status existed, Field XXXX ( DOFD ) must be present ( not shown ). 
o All late months disputed : XX/XX/XXXX ( for each ), and any others you hold. 
o XXXX requested : Reduce severity to match XXXX or delete the late code ( XXXX ) /tradeline ( XXXX ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defect : Payment Status : Unknown. XXXX is all OK, comments show closed/canceled. 
XXXX XXXX XXXX breach : XXXX XXXX must be a valid status ; Unknown is not valid. 
o All late months disputed : If any exist in your file. 
o XXXX requested : Correct to valid closed/paid status or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defect : XXXX  shows XXXX in XX/XX/XXXX ; otherwise OK. 
XXXX XXXX XXXX fields : Field XXXX ( XXXX  ) must be supported by XXXX XXXX ( XXXX. XXXX XXXX ) and XXXX XXXX ( Date of Last Payment ). 
o All late months disputed : XX/XX/XXXX ( and any others ). 
o XXXX requested : Remove unsupported late code or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defect : Comment states Dispute resolved ; customer disagrees. Confirm proper Compliance Condition Code ( CCC ) reflecting a completed investigation ; remove any residual in-process flag. 
o All late months disputed : If any exist in your file.

o Remedy requested : Correct CCC to accurate post-investigation code or delete remark/tradeline if not verifiable. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$230.00} o Defects : Narrative Collection/Chargeoff conflates statuses ; DOFD ( Field XXXX ) missing ; Original Creditor name appears truncated/unclear. 
o XXXX also triggered : FCRA 623 ( a ) ( 5 ) ( duty to furnish XXXX ). 
o Remedy requested : Provide DOFD and XXXX XXXX XXXX to proper Portfolio Type C ( Collection ) and valid Field XXXX ; if not independently verified, delete. 
Documentary Proof Required ( for every late month ) : Provide running statements or a complete transactional ledger proving ( 1 ) statement date, ( 2 ) contractual due date, ( 3 ) date payment was received, ( 4 ) date payment posted for each month you claim was late. Codes are not proof.

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