story
In short, calling the statement in question transphobic is correct.
Then what does it imply, that the comment has a phobia of or holds hate for trans people?
If I call your post autistic, does that not imply I think less of you for making it?
In TDD, do we talk about a unit test succeeding because I intended for it to fail and it did? No, we say it failed because the actual result is red. I didn't fail, but the test sure did.
Intention doesn't change the impact of communication; if the intent doesn't match the actual outcome, what it means is that the author probably wanted to change it.