Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
I am disputing inaccurate late-payment reporting that appears across my credit files with Equifax, Experian, and TransUnion. I am an Equifax XXXX XXXX consumer and also confirmed as impacted by the XXXX XXXX XXXX XXXX ( XXXX  ). Because both breaches exposed my personal identifiers, I face an elevated risk of file mismatching and inaccurate data reporting. This makes it critically important that the credit bureaus conduct rigorous reinvestigations and apply heightened verification standards. 

Despite multiple disputes and submissions of supporting documents, the bureaus and furnishers have continued to report contradictory and unverifiable derogatory data. Instead of correcting or deleting unverifiable information, they left late-payment codes that are inconsistent, not supported by records, and harmful to my credit standing. 

Key problem areas include : XXXX XXXX  ( Account ending XXXX ) Reported as open/current while simultaneously showing a XXXX late in XX/XX/XXXX. 

Contradictory dispute remarks appear across bureaus, showing no uniform or consistent verification. 

No method of verification or original payment records have been provided. 

XXXX XXXX ( Account ending XXXX ) Reported open/current but with a XXXX late in XX/XX/XXXX. 

Conflicting dispute remark coding across bureaus again demonstrates a lack of consistent verification. 

No contemporaneous statements or ledgers were produced to support the late code. 

XXXX XXXX XXXX XXXX XXXX XXXX  These tradelines have been paid and closed with {$0.00} balances since XXXX. 

Despite this, they continue to show XXXX, XXXX, XXXX, and even XXXX late notations, often conflicting bureau to bureau. 

Some bureaus show the same loan as open while others show it as closed, which is factually impossible. 

A closed loan with a {$0.00} balance can not accrue new delinquency. No supporting ledgers have been provided. 

XXXX XXXX XXXX XXXX  Conflicting severe-delinquency codes reported ( XXXX  days vs. XXXX  days late for the same period ) across bureaus. 

Payment-history grids do not align, and dispute remarks differ between Equifax, Experian, and TransUnion. 

These inconsistencies demonstrate the data is not being reported with maximum possible accuracy as required by FCRA 1681e ( b ). 

Why this matters : These contradictions show that no reasonable reinvestigation occurred under FCRA 1681i. Publishing derogatory data without documentary proof while accounts are simultaneously coded as current, closed, or {$0.00} balance causes severe and unlawful harm to my credit scores. The presence of both Equifax XXXX XXXX exposure and XXXX XXXX XXXX XXXX impact magnifies the risk of mixed or misattributed data, yet the bureaus did not exercise heightened care.

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