Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX, whose inconsistent and erroneous reporting has directly harmed my credit profile and caused undue emotional and financial distress. 

According to my credit reports : XXXX  reflects my payment history as " OK '' throughout XXXX, with no issues noted in the payment history from XXXX to XX/XX/XXXX. However, it also indicates " NO '' payment records for much of XXXX, which is inconsistent with my on-time payments and misleading. 

TransUnion shows " 30 '' ( 30 days past due ) in XX/XX/XXXX, although my payments have been made on time, and the balance was cleared, which contradicts the " Paid Satisfactorily '' status on other reports. 

XXXX  shows " 30 '' ( 30 days past due ) in XX/XX/XXXX, although my payments have been made on time, and the balance was cleared, which contradicts the " Paid Satisfactorily '' status on other reports. 

This reporting is factually inconsistent, misleading, and damaging. If the account was paid on time and shows a {$0.00} balance with no outstanding delinquencies, how can it simultaneously be reported as late? Furthermore, the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) requires furnishers to ensure maximum possible accuracy of the information they report.

Additionally, under : 15 U.S. Code 1681s-2 Furnishers of information must not report information they know or have reasonable cause to believe is inaccurate.

15 U.S. Code 1681e ( b ) Consumer reporting agencies must maintain procedures to ensure accuracy.

15 U.S. Code 1692d and 1692e ( FDCPA ) The continued reporting of false or misleading information constitutes harassment and deceptive practices.

This erroneous reporting has lowered my credit score, affected my ability to secure affordable housing and financial products, and caused unnecessary stress and anxiety. These consequences violate my consumer rights and are grounds for : Immediate deletion or correction of the inaccurate information from all credit bureaus.

Compensatory damages for the harm caused, including emotional distress and lost financial opportunity. 

A full investigation and verification under Section 611 of the FCRA.

I am demanding : Immediate deletion or correction of the derogatory marks from XXXX  and TransUnion.

Written confirmation of the investigation and results from both XXXXXXXX XXXX XXXX and each credit bureau. 

Compensation of {$9000.00} paid via check and acknowledgment of the harm caused by these violations. 

Formal regulatory review of XXXX XXXX XXXX  reporting practices for recurring inconsistencies. 

Please find attached copies of the relevant credit report screenshots, identification, and supporting documents. I request this matter be handled with urgency as allowed under federal 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