Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am submitting this complaint against XXXX XXXXXXXX XXXX ( XXXX XXXX ) for the continued reporting of inaccurate, inconsistent, and unverifiable information on my consumer credit reports. Despite prior disputes and notice, XXXX continues to furnish negative and misleading data that does not accurately reflect the true status or history of my account and violates the Fair Credit Reporting Act ( FCRA ). 

The accounts at issue are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reported as paid, closed at consumer request, and with a XXXX balance, yet they continue to display a XXXX delinquency and negative payment history across Experian and TransUnion. This reporting is contradictory on its face and internally inconsistent with the account status of Paid and Account closed by consumer. 

Across the credit reporting agencies, XXXX reports conflicting dates of opening, dates of last activity, dates of last payment, and dates last reported. For example, XXXX bureau reports a Date Opened of XX/XX/2019 while another reports XX/XX/2019. Dates of last activity and last reporting also differ materially. These inconsistencies demonstrate that the data is not being reported from a single verified source and fails the FCRA requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ).

More importantly, the presence of a 30-day delinquency is not accurate. This account was paid in full and closed at my request, and XXXX has never provided any documentation proving that a valid late payment occurred. I have not been provided billing statements, payment due notices, payment posting records, or any original account documentation substantiating the alleged delinquency. Reporting a late payment without proof violates 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ). 

I have disputed this account in good faith and requested proper reinvestigation. However, XXXX has continued to furnish the same inaccurate information without correction and without providing a lawful method of verification as required under 15 U.S.C. 1681g ( a ). A generic verified response does not satisfy federal law when the data itself is internally contradictory and unsupported by evidence. 

Additionally, the negative payment history coding is inconsistent across the bureaus. XXXX bureau reports XXXX XXXX late payments while another reports only XXXX, even though the account is reported as paid and closed with a XXXX balance. This is impossible reporting and further confirms that the data is unreliable and not properly verified. 

Because this account is paid, closed, and has no outstanding balance, there is no lawful basis for continued negative reporting. If XXXX can not produce original, accurate, and complete documentation proving that a legitimate late payment occurred, then the delinquency must be removed and the account must be updated to Pays As Agreed or deleted entirely. 

XXXX failure to correct these inaccuracies after notice constitutes negligent and potentially willful non-compliance with the Fair Credit Reporting Act. The continued reporting of this false delinquency has caused me real harm, including unfair credit denials and higher interest rates. 

I am requesting CFPB intervention to require XXXX XXXX Bank to either provide full documentary proof and a lawful method of verification for the alleged late payment, or immediately correct the tradeline by removing all negative payment history and updating the account to accurately reflect its paid and properly closed status. Continued reporting of unverifiable negative information must not be allowed to persist.

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