Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Against Experian, TransUnion, and Equifax for Failure to Correct Inaccurate Late Payment Reporting I am filing this complaint against Experian, TransUnion, and Equifax for their failure to properly investigate and remove inaccurate late payment records from my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX : There are multiple late payment errors on my credit report that are completely inaccurate. The accounts in question were always paid on time while they were active, yet the credit bureaus continue to report late payments. Despite their legal obligation to ensure the accuracy of consumer credit reports, Experian, TransUnion, and Equifax have failed to correct these errors after multiple disputes. 

Accounts with Incorrect Late Payment Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation of FCRA and FTC Guidelines XXXX Under 15 U.S.C. 1681i ( a ) of the FCRA, credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes inaccurate information. However, it is evident that Experian, TransUnion, and Equifax have failed to properly investigate these errors and ensure the accuracy of my credit report. 

Additionally, the Federal Trade Commission ( FTC ) mandates that credit bureaus maintain accurate reporting standards and remove any incorrect or unverifiable information. Their failure to act has caused significant damage to my credit score and financial standing. 

Requested Resolution : I request that the CFPB take immediate action and require Experian, XXXX, and XXXX to : Conduct a full reinvestigation of my disputes and provide documentation of their findings. 
Remove all inaccurate late payment records from my credit report. 
Provide a written confirmation that my credit report has been corrected. 
The negligence of the credit bureaus in maintaining accurate credit reporting has harmed my financial reputation and is preventing me from accessing credit opportunities. I request urgent intervention from the CFPB to ensure compliance with federal laws and hold the credit bureaus accountable for their failure to act. 

Thank you for your attention to this matter.

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