Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
This complaint arises from TransUnions repeated and willful reporting of false late payment data under XXXX Account # XXXX, despite verified information from XXXX  confirming that the account is current and paid as agreed. 

TransUnion and Experian continue to report XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which are factually impossible and legally noncompliant. These errors persist after multiple formal disputes and CFPB filings, constituting willful disregard of accuracy requirements under 15 USC 1681e ( b ) and failure to reinvestigate under 1681i ( a ) ( 1 ) ( A ).

Details of Violations XXXX. False Late Payment Reporting ( XXXX # XXXX ) XXXX  reports this account as open, current, and paid as agreed. 

XXXX  and TransUnion report it as current and simultaneously XXXX  days late in XXXX and XX/XX/XXXX, and again in XX/XX/XXXX a XXXX format violation, as mixed statuses can not coexist in the same reporting cycle. 

There is no supporting billing statement, past-due balance, or timestamped payment data provided to substantiate these alleged delinquencies. 

This inconsistency directly violates : 15 USC 1681e ( b ) Failure to maintain maximum possible accuracy.

15 USC 1681i ( a ) ( 1 ) ( A ) Failure to perform a reasonable reinvestigation after notice.

15 USC 1681g ( a ) Failure to disclose sources of verification.

Metro2 Data Standards Prohibits contradictory or mixed payment codes for active accounts. 

XXXX. Inadequate Reinvestigation Process Despite receiving multiple dispute notices and documentary evidence, TransUnion has failed to conduct a lawful reinvestigation. Instead, they continue to rely on automated electronic responses from furnishers, which do not meet the evidentiary standard required under the FCRA. 

XXXX. Emotional and Financial Harm These inaccurate late payment entries have caused a significant drop in the complainants XXXX  score, resulting in denied credit applications and financial distress. The harm is ongoing, given TransUnions continued refusal to correct or delete the erroneous data. 

Legal Violations 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy.

15 USC 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

15 USC 1681i ( 5 ) Failure to delete unverifiable data after reinvestigation.

15 USC 1681g ( a ) Failure to provide documented verification.

15 USC 1681n & 1681o Willful and negligent noncompliance.

FACTA 312 ( e ) Mishandling of incomplete and contradictory information. 

Evidence Supporting the Complaint Equifax verification confirms the account is paid as agreed with no late payments.

TransUnions own file ( page XXXX of the attached report ) shows conflicting dates and payment histories, with Current status appearing alongside XXXX  days late marks. 

TransUnion has failed to provide billing statements, timestamps, or signed documentation to validate the alleged late payments, in violation of FCRA 1681i ( a ) ( 1 ) ( A ). 

Attached warning letter ( page XXXX ) also documents prior notice to TransUnion regarding illegal processing delays, which they ignored.

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