Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing the late payments being reported on this account because the information you and the credit bureaus are reporting is inaccurate, inconsistent, and not verifiable under FCRA and Metro 2 requirements. 
1. Inconsistent Late Payment Reporting Across All 3 Bureaus You are reporting completely different late-payment histories for the same exact months : XX/XX/XXXX : Experian : Paid on time Equifax : Paid on time TransUnion : Paid on time XX/XX/XXXX : Experian : Paid on time Equifax : Paid on time TransUnion : Paid on time XX/XX/XXXX : Experian : 30-day late Equifax : 60-day late TransUnion : 30-day late XX/XX/XXXX : Experian : 60-day late Equifax : Paid on time TransUnion : 60-day late This violates : FCRA 607 ( b ) maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnishers can not report information they know or should know is inaccurate Metro 2 Credit Reporting Standards all payment histories must match across all CRAs and be internally consistent You can not report three different versions of the same payment history and call it accurate. 
2. Inconsistent Dates ( DLA, Date Opened, etc. ) You are also reporting different dates for the same account : Date of Last Activity ( DLA ) : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX Date Opened : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX All of this violates : FCRA 623 ( a ) ( 2 ) furnishers must correct and update information that is incomplete or inaccurate Metro 2 Field Definitions dates must match across all CRAs and can not conflict 3. You Failed to Mark This Account as In Dispute I have been actively disputing this account, yet you have not marked it as disputed with any CRA. 
That is an additional violation of : FCRA 623 ( a ) ( 3 ) you must report an account as in dispute when a consumer disputes it 4. Verification of Late Payments You Did Not Provide It Since you clearly do not know what verification actually is, here is what is legally required to verify a late payment : To verify a late payment, you must provide : Bank-posted payment records showing the date you received the payment Your internal payment ledger Billing statements showing due dates and posting dates Sending me : a copy of my credit report we verified with the creditor you have a third party working on your credit NONE of that is verification under the FCRA or Metro 2 . 
Verified is not valid unless you provide real documents. 
Without actual payment-posted proof, this late payment reporting is hearsay and not legally verifiable. 
5. Hardship + Harm I have lost my job, and inaccurate reporting like this is directly harming me. I have disputed this multiple times, and you still refuse to correct obvious errors.

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