Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because during my recent review of my credit reports from Experian, Equifax, and TransUnion, I discovered extensive and deeply concerning inaccuracies involving several of my accounts, each bureau reporting different dates, balances, and late-payment information that do not align with my documented financial records. My XXXX XXXX account ending in XXXX, with a balance of {$4800.00}, is reported completely differently across the bureaus : Experian lists a Date of Last Activity of XX/XX/XXXX and a Date Reported of XX/XX/XXXX, Equifax reports a Date of Last Activity of XX/XX/XXXX, and TransUnion documents XX/XX/XXXX for both fields, creating a XXXX  conflict that violates accuracy requirements. My XXXX  account ending in XXXX reflects similarly inconsistent information, with Experian showing a Date of Last Activity of XX/XX/XXXX and a XXXX late mark reported on XX/XX/XXXX, while TransUnion lists XX/XX/XXXX as both the activity and reporting date, which is impossible for the same account. The situation is even more troubling with my numerous XXXX/XXXX  student loan accounts, which appear repeatedly under different account numbers including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX with balances ranging from {$0.00}, {$880.00}, {$2100.00}, {$2300.00}, {$2800.00}, {$2900.00}, and {$3700.00}, all reported with inconsistent Dates of Last Activity, from XX/XX/XXXX ( Experian ), XX/XX/XXXX ( Equifax ) XXXX and XX/XX/XXXX ( TransUnion ) XXXX These same XXXX accounts also show repeated XXXX late notations tied to conflicting timelines that do not match my records, reflecting a complete breakdown in accurate furnishing. In addition, my XXXX  account ending in XXXX shows inconsistent Dates of Last Activity XX/XX/XXXX in Experian, XX/XX/XXXX in Equifax, and XX/XX/XXXX in TransUnion with each bureau reporting different dates for a XXXX late, such as XX/XX/XXXX and XX/XX/XXXX, again misrepresenting the true sequence of events. Lastly, my XXXX  XXXX XXXX  account ending in XXXX is reported by Equifax with a XXXX balance, a Date of Last Activity of XX/XX/XXXX, and a XXXX late mark recorded on XX/XX/XXXX, which contradicts the verified timeline of the loans activity. These inaccuracies violate the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1666, 1666a, 1681i, 623 ( a ) ( 2 ), and 623 ( b ), as the furnishers and bureaus have failed to maintain accurate data, update information correctly, or ensure consistent reporting across all XXXX  major credit bureaus, which has caused me confusion, harm, and potential negative impacts on my creditworthiness. I have exhausted my ability to correct these issues directly with the bureaus, and I am now requesting regulatory assistance.

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