Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
RE : Independent Reinvestigation Demand XXXX XXXX XXXX ( Acct ending XXXX ) Your report shows for this item : Account Type : Installment Payment Status : CollectionOrChargeOff Late Payment Status : Was 90 days late 27 time ( s ) Comments : Unpaid balance reported as a loss by credit grantor Balance {$630.00} Date Opened XXXX. 
This is a third-party collection, yet you display Installment, a consumer late grid ( 90-day x27 ), and an original-creditor charge-off narrative. For collections, Metro 2 requires Portfolio Type/Account Type = Collection, Past Due = {$0.00}, Payment History Profile & Payment Rating blank , no OC charge-off verbiage, and the FCRA Compliance/Date of First Delinquency ( DOFD ) furnished. 
All late months are disputed. I demand running statements/a complete ledger showing, for each month ever coded late, the contractual due date, date of payment receipt, and date of posting. Codes are not proof. 
Law & duty : FCRA 607 ( b ) accuracy ; 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 5 ) ( A ) reinvestigation/correctiondeletion ; 623 ( a ) ( 5 ) DOFD ; 605 ( a ) / ( c ) no re-aging ; Reg V , 12 C.F.R. 1022.41.43 ; and XXXX v. XXXX ( 115 F.3d 220 ) requiring an independent reinvestigation.

Metro 2 corrections demanded : Change Portfolio/Account Type to Collection ; set Amount Past Due = {$0.00} ; blank out PHP/Payment Rating XXXX correct Special Comment to a valid collection remark ; furnish DOFD ; clear Terms/SMPA. If you can not independently verify with the source records above, delete the entire tradeline under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Noncompliance will trigger complaints to the CFPB/FTC/State AG and litigation for damages under 15 U.S.C. 616617.

Enclosures : Govt ID ( Ex. A ) ; Proof of address ( Ex. B ) ; Highlighted TransUnion pages ( Ex. C ) ; Ledger/statement demand ( Ex. D ). 
Sent CMRRR. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) acct ending XXXX RE : XXXX XXXX XXXX  ( XXXX ) Your file shows : Account Type : Installment Account Status : Closed Comments : Unpaid balance reported as a loss by credit grantor Balance {$270.00} Date Opened XXXX. 
Collections can not be coded Installment, can not use OC loss by credit grantor language, and must include XXXX. 
All late months disputed ; provide running statements/ledger ( due date receipt posting ) for each late month ; codes are not proof. 
Cites : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) / ( c ) ; XXXX XXXX ; XXXX. 
Metro 2 fixes : Portfolio/Type = Collection ; Past Due = {$0.00} ; PHP blank ; valid Special Comment ; XXXX furnished ; Terms/SMPA blank. Delete if unverifiable. 
Enclosures/CMRRR as above. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct ending XXXX RE : Independent Reinvestigation XXXX XXXX XXXXXXXX XXXX shows : Account Type : Installment Comments : Unpaid balance reported as a loss by credit grantor Balance {$320.00} Date Opened XXXX. 
Same mis-portfolio/type and OC-loss narrative ; XXXX not shown. 
All late months disputed ; ledgers demanded ; codes proof. 
Cites : 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) / ( c ) ; XXXX XXXX ; XXXX. 
Metro 2 fixes or delete. 
Enclosures/CMRRR as above. 
4 ) XXXX XXXX XXXX XXXX XXXX acct ending XXXX  RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TU shows : Account Type : Installment Comments : Unpaid balance reported as a loss by credit grantor Balance {$870.00} Date Opened XXXX. 
Correct mis-coding ; furnish XXXX ; or delete. 
All late months disputed ; ledgers demanded ; codes proof. 
Cites/Enclosures as above.

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