Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I am writing this not only as a consumer but as someone who has faced a truly difficult and life-changing season. I respectfully ask for a compassionate and fair review of the negative payment history being reported on several accounts that reflect my financial journey during and after the XXXX pandemic. 

Like many Americans, the pandemic turned my world upside down. I lost work, cared for sick family members, and struggled to keep up with all my responsibilitiesincluding my financial obligations. Although I was not perfect, I did my best. I communicated with my lenders and arranged payment accommodations wherever possible. I never let any account go into default. 

The accounts listed below show a history of late payments, especially during the pandemic and the months following. I believe some of these late payments may have been inaccurately reported, especially considering the accommodations I requested and attempted to comply with : XXXX XXXX  : Account opened XX/XX/XXXX, balance {$2200.00}, with multiple 30-day and 60-day late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX  XXXX : XXXX accounts opened XX/XX/XXXX, and XX/XX/XXXX, balances {$1000.00} and {$1400.00} respectively, showing late payments throughout XXXX, XXXX, and into XXXX. 

XXXX XXXX XXXX : XXXX accounts opened XX/XX/XXXX, and XX/XX/XXXX, balances {$490.00} and {$780.00}, with late payments spanning from XXXX through XXXX. 

Additional accounts with XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others showing similar late payment patterns. 

Under the CARES Act of XXXX, if I complied with any forbearance or deferral accommodations granted by these creditors, my accounts should not have been reported as delinquent during that period. The law requires creditors to report accounts as current when accommodations are in place and followed. 

Furthermore, under FCRA 623 ( a ) ( 2 ), creditors have a legal duty to correct and update any inaccurate information promptly. If the late payments reflect errors or failure to apply accommodations, those inaccuracies must be remedied. Under FCRA 607 ( b ), consumer reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of information reported. Additionally, FCRA 623 ( a ) ( 1 ) requires furnishers to avoid knowingly reporting inaccurate or incomplete information. 

I understand the importance of payment history and how negative marks affect consumers like myself. However, I ask only for a fair and legally accurate review of my accounts with empathy for the unprecedented challenges I faced. I believe the negative marks on my credit report should be reevaluated in light of the pandemic hardships and the protections afforded by the CARES Act and FCRA.

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