Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this formal complaint against XXXX, TransUnion, Experian, and Equifax for materially inaccurate and conflicting reporting of the same auto loan account. This is a direct violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), North Carolina law, and federal case law. 

The Issue : XXXX has reported inconsistent and false payment history across all three bureaus for an auto loan account that was paid off and closed on XX/XX/XXXX. 
TransUnion shows XXXX XXXX lates and XXXX XXXX lates, and wrongly labels the account as 90 days late despite zero XXXX lates shown on the payment calendar. 
Experian shows only 3 late payments during the same timeframe and reflects multiple on-time payments where TransUnion shows delinquencies. 
Equifax, although not shown here, must be included in this investigation any and all late payments listed by Equifax must also be removed due to the overwhelming proof that the data across bureaus is unreliable and inconsistent. 

All three are reporting different versions of reality for the exact same account this constitutes negligence, reckless disregard, and potential willful noncompliance with federal reporting obligations.

Violations Committed : 1. FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers are required to report accurate and consistent information. XXXX failed to do so. 

XXXX. FCRA 611 ( 15 U.S.C. 1681i ) CRAs failed to conduct a reasonable reinvestigation when previously disputed.

3. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRAs are obligated to maintain maximum accuracy. Contradictory reporting proves failure to meet this standard.

4. North Carolina Gen Stat 75-1.1 Unfair and Deceptive Practices Publishing harmful and false data affecting my creditworthiness is unlawful in North Carolina and may trigger treble damages.

5. North Carolina Identity Theft Protection Act ( N.C. Gen. Stat. 75-63 ) Failure to correct known errors or respond meaningfully after dispute is a breach of my consumer rights.

6. Case Law Cushman v. TransUnion Corp. ( 115 F.3d 220, 3d Cir. 1997 ) Reaffirms that credit bureaus must go beyond parroting data from furnishers. That did not occur. 



Requested Resolution : XXXX. Immediately delete ALL late payments related to this XXXX account from TransUnion, Experian, and Equifax. 
XXXX. Provide the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ) for each bureaus reinvestigation and explain how three agencies came to three different conclusions.

3. Correct the tradeline to reflect Paid/Closed Never Late or completely remove it if no reliable verification is possible.

4. Acknowledge that failure to comply will result in legal escalation and a complaint to the NC DOJ Consumer Protection Division.

Supporting Evidence : I am prepared to upload screenshots of : TransUnions payment calendar showing XXXX XXXX and XXXX XXXX lates ( with no XXXX lates ), Experians calendar showing only 3 lates and several on-time months that TransUnion reports as late, Equifaxs pending records, which must be removed due to tainted data from XXXX. 



This dispute is NOT about verifying with the creditor. This is a case of irrefutable internal conflict between the three bureaus. That is YOUR burden to fix. I am demanding immediate correction, not excuses. 

XXXX ( formerly XXXX XXXX XXXX has a documented pattern of credit reporting abuse. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined XXXX  {$8.00} XXXX for harassing debt collection tactics and inaccurate credit reporting to TransUnion, Experian, and Equifax. The enforcement order specifically addressed their failure to correct false data and mandated changes to their reporting practices.

In McKie v. Bridgecrest Credit Co., LLC, S.D. Ga. ( 2020 ), Bridgecrest was sued for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate balances and failing to reasonably investigate disputes a nearly identical situation to mine. Though arbitration was compelled, the core allegations remain relevant and show Bridgecrests continued FCRA noncompliance.

Other cases like Roseman v. Bridgecrest ( 2020 ) and Grant v. Bridgecrest ( 2023 ) have included allegations of improper credit reporting, FDCPA violations, and unfair trade practices showing this is not an isolated issue, but part of a broader pattern of abuse.

These cases, along with controlling federal law including Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) and Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) make it clear that when data is inconsistent, unverifiable, or parroted back by e-OSCAR systems, it must be corrected or deleted.

Given Bridgecrests known track record and the conflicting tradeline data across bureaus, the only legally acceptable outcome is : All late payments must be removed, or The tradeline must be permanently deleted under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ). 

XXXX and the bureaus have legal exposure if they continue to report unverifiable derogatory marks that damage my creditworthiness. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX

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 explanation