Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
TransUnion is reporting late payments across multiple accounts that are either currently open and in good standing with no past due amounts, or closed and paid in full with zero balancesyet despite their resolved or non-delinquent status, they continue to reflect derogatory payment history that is inaccurate, misleading, and in direct violation of the Fair Credit Reporting Act. The accounts in question are XXXX ( Account XXXX. XXXXXXXX XXXX XXXX reported as open with a XX/XX/year> late payment and showing a past due amount of {$0.00} ), XXXX XXXX ( Account XXXX. XXXX, also reported as open with a XX/XX/year> late payment and a past due of {$0.00} ), and XXXX XXXX XXXX  ( Account No. XXXX, dated XX/XX/year>, listed as paid and closed with a zero balance and zero past due amount ). There is no reason any of these accounts should still contain derogatory late payment informationespecially not in their current statusand yet TransUnion continues to penalize me for long-past delinquencies that no longer reflect my creditworthiness or financial behavior.

According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, TransUnion is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it includes in a consumers credit report. Reporting late payments on open accounts like XXXX and XXXX XXXX the accounts currently show a past due amount of $ XXXX inherently inaccurate and misleading. These entries give the false impression of unresolved delinquency or ongoing financial instability when, in fact, the accounts are in good standing. Similarly, maintaining derogatory late payment data on a fully resolved and closed tradeline like XXXX XXXX XXXXone  that has been paid off and shows a zero balanceserves no lawful or constructive purpose. The only thing it accomplishes is unwarranted credit harm. 

I have submitted formal disputes to TransUnion regarding these entries and specifically requested a reinvestigation into the justification for continuing to report these late payments. In response, TransUnion issued a generic verified result for each one, offering no documentation, no billing history, and no original creditor verification. This failure to provide supporting records or conduct a meaningful review violates 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must perform a timely and reasonable reinvestigation of any item disputed by a consumer. Simply marking the item as verified without producing documentation or evidence is not a reinvestigationit is negligence.

What makes this situation even more problematic is the impact it continues to have on my financial life. These late payments, which occurred over two years ago and are now tied to accounts that are either in good standing or closed, are dragging down my credit score, suppressing my approval odds, and inflating my interest rates. I have been denied credit, questioned by lenders, and forced to justify why entries that no longer reflect my current behavior are still being used against me. This is not just inaccurate reportingits punitive and unjustified. I have fulfilled my financial obligations on all of these accounts, yet TransUnion continues to allow legacy derogatory information to distort my profile.

The emotional and practical toll of this situation can not be overstated. It is exhausting to keep defending myself over information that should have already been corrected or removed. These entries are not helping creditors assess my riskthey are preventing me from rebuilding and moving forward. If TransUnion had followed the law, none of this harm would have occurred.

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