Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy and timeliness of the information you are furnishing on my credit report regarding the account with XXXX XXXX, account number XXXX. I have attached a copy of my credit report with the disputed item highlighted. 
My dispute is based on several issues, including inaccuracies in payment history reporting, concerns regarding the investigation process, and potential violations of the Fair Credit Reporting Act ( FCRA ). 
Dispute of Payment History and Timeliness of Reporting My records indicate that the payment history reported on my credit file is inaccurate. The provided payment history shows a " past due 30 days '' status for XX/XX/year>, while a recent payment of {$30.00} was made as of XX/XX/year>. Furthermore, the account was opened on XX/XX/year>XXXX  with a monthly payment of {$10.00}, yet the reporting of " past due '' for XXXX appears to be premature and inconsistent with the account 's history. I request a detailed and accurate accounting of all payments made and a correction to reflect the true payment status. 
Dispute Regarding Investigation and Legal Procedures ( FCRA Violations ) The reinvestigation information on my report states that this item was " updated from our processing of your dispute in XX/XX/year>. '' This suggests a reinvestigation was conducted ; however, the outcome has not corrected the inaccuracies. This raises concerns regarding your adherence to FCRA regulations, specifically : * 611 ( a ) ( 1 ) ( A ), which requires a credit reporting agency to conduct a reasonable reinvestigation of disputed information. The continued reporting of inaccurate information suggests that a reasonable reinvestigation may not have been performed. 
* 623 ( a ) ( 8 ), which requires furnishers of information to investigate and report the results of their investigation to the consumer reporting agency. I believe that the furnisher, XXXX XXXX, may not be in compliance with this requirement. 
Demand for Update and Removal of Delinquency Under the FCRA, I am requesting that you promptly and accurately update my account to reflect a positive payment status and remove the reported delinquency. The inaccurate reporting is causing harm to my credit score and financial standing. 
I am requesting the following actions : * A complete and accurate reinvestigation of this account, adhering to all requirements of the FCRA. 
* The immediate removal of the 30-day past-due status for XX/XX/year>. 
* An update to the account to show a current and positive status. 
* Written confirmation that this account has been corrected and updated on my credit report. 
Please send me the results of your reinvestigation and a corrected copy of my credit report within 30 days of receiving this letter, as required by law.

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