Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
Accounts Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing the inaccurate, unverified, and materially misleading late payment data you are furnishing on these accounts. The Fair Credit Reporting Act ( FCRA ) gives me the legal right to challenge false information. You are required to provide complete and accurate reporting, as well as proof of permissible purpose. I demand that you rectify these violations immediately. 

XXXX XXXX XXXX You are willfully reporting a XXXX late payment for XX/XX/year> on a revolving account that is otherwise marked as open, current, and in good standing. This is a direct conflict, violating : FCRA 1681s-2 ( b ) FCRA 1681e ( b ) Duty to ensure maximum possible accuracy Metro 2 Reporting Standards and CDIA Guidelines 15 U.S.C. 1681n Willful noncompliance Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 The late payment is a billing error. You failed to provide any investigation or legal validation as required under TILA. I demand permanent deletion of this inaccurate data and update of the tradeline to reflect Paying As Agreed. Continued noncompliance will trigger further legal action. 

XXXX XXXX You are reporting a XXXX late payment for XX/XX/year> while also listing the account as open, current, and in good standing. This contradiction violates : FCRA 1681s-2 ( b ) FCRA 1681e ( b ) Metro 2 Format 15 U.S.C. 1681n FCBA/TILA, 15 U.S.C. 1666 You failed to lawfully investigate the dispute or provide verification. Your continued reporting of this false data causes financial harm and violates federal law. I demand that you DELETE the XXXX late remark and report the account as Paying As Agreed. 

XXXX  XXXX You are falsely reporting late payments for XX/XX/year> and XX/XX/year> while showing the account as open, current, and {$0.00} balance. This contradiction violates : FCRA 1681s-2 ( b ) FCRA 1681e ( b ) 15 U.S.C. 1681n Metro 2 Format and CDIA Guidelines TILA/FCBA 1666 Your reporting is misleading and creates data poisoning. The entry fails the Metro 2 system-to-system consistency check required by the CRAs. You also lack permissible purpose under FCRA 604 to continue publishing this derogatory, unverified data. 

As a victim of the National Public Data Breach, I am especially harmed by your refusal to delete false data, knowing my identity has been compromised. This is gross negligence. 

Final Demand Youve had every opportunity to comply with federal law. You chose not to. Thats willful noncompliance. 

I demand that you DELETE all inaccurate and unverified late payment data on the accounts listed. Confirm in writing that youve done so. If you fail to act, I will file regulatory complaints and pursue full damages under : FCRA 616, 617 TILA 1666 All other applicable consumer protection laws You are now on notice. I expect compliance within XXXX XXXX of receipt of this letter.

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