Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16311193
Complaint Overview
Complaint ID: 16311193
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33147
Date Received: 2025-10-01T12:00:00-05:00
Date Sent to Company: 2025-10-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is a formal dispute of the items below. Under FCRA 607 ( b ) you must assure maximum possible accuracy, and under FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) you must conduct an independent reinvestigation. Codes are not proof. I demand original running statements/ledger for each late monthshowing contract due date, date received, and date posted. If you can not verify to that standard, you must delete or completely delete the tradeline per 611 ( a ) ( 5 ) ( A ). See Cushman v. TransUnion, 115 F.3d 220 ( a superficial creditor confirmation is inadequate ). Disputed Items ( TransUnion file dated XX/XX/XXXX ) XXXX. XXXX XXXX Installment Acct XXXX Status 120 days past due, Past Due {$990.00}, Balance {$990.00} ( Last reported XX/XX/XXXX ) o Defects : TU shows a continuous 120 string for XXXX XXXX XXXX ( XXXX months ) with no ledger proof ; EX/EQ disagree for several months. o Late Months Disputed ( TU ) : XX/XX/XXXX through XX/XX/XXXX ( all months coded 120 ). o FCRA/Reg V : 607 ( b ) ( accuracy ) ; 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 5 ) ( A ) ( reinvestigation/deletion ). o Metro 2 : Payment Rating, Current Status, Compliance Condition Code ( can not maintain perpetual 120 without substantiated billing/crediting records ). o Demand : Provide month-by-month billing statements and payment posting ledger ; otherwise delete the late codes or the entire tradeline. XXXX. XXXX XXXX Acct XXXX Closed XX/XX/XXXX ; 30 late ; Comment : Dispute resolved ; customer disagrees. o Defects : Reported only to TU ( not XXXX ), creating an incomplete/misleading file ; maintains dispute resolved coding despite ongoing dispute. o Late Months Disputed ( TU ) : XX/XX/XXXX ( XXXX ). o FCRA : 607 ( b ) ; 611 ( a ) ( 5 ) ( A ). o Metro 2 : Compliance Condition Code ( XB/XH handling ), Account Status ; incomplete multi-bureau furnishing. o Demand : Produce ledger for any late ; otherwise delete. XXXX. XXXX Revolving Acct XXXX Charged off as bad debt ; Comment : Dispute resolved ; customer disagrees. o Defects : Reported to TU only ; dispute resolved while dispute persists ; no verified DOFD provided. o Late/Derog Months Disputed ( TU ) : All months coded CO/derog. o FCRA : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) & ( a ) ( 5 ) ( A ). o Metro 2 : Compliance Condition Code, DOFD, Current Status. o Demand : Provide DOFD and full ledger ; else delete. XXXX. XXXX XXXX Revolving Acct XXXX Closed ; Status Payment after charge-off/collection. o Defects : TUs status conflicts with other bureau outcomes ; no proof of actual charge-off amounts/deficiency or settlement accounting. o Late/Derog Months Disputed ( if any coded on TU ) : Any months coded XXXX in XXXX. o FCRA/Metro 2 : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) ; Account Status/Payment Rating/DOFD. o Demand : Produce complete accounting ; otherwise remove derogatory codes or delete. Inquiries ( FYI ) : XXXX XX/XX/XXXX noted.
Frequently Asked Questions
What is Complaint #16311193 about?
Complaint #16311193 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-10-01T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.