Consumer complaint received 2025-04-06 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. I would like a description of the investigation of my XX/XX/XXXX dispute. Did you investigate the dispute or just forward the dispute to XXXX XXXX? If you used an XXXX, provide a copy of the XXXX, or state what code you used and what narrative information you provided about the dispute? Do you know what XXXX XXXX did to investigate the dispute? How did you reconcile the billing statement listing a payment in XX/XX/XXXX and XXXX XXXX letter stating I made a payment in XX/XX/XXXX? If you are not going to report my payment for XX/XX/XXXX in the payment history, then you need to report it elsewhere, so a user of report is aware of why I dispute this reporting. 

XXXX XXXX XXXX On XX/XX/XXXX, I disputed this account. My dispute addressed 3 errors, including that that the account was 30 days late in XX/XX/XXXX, that the payment for XX/XX/XXXX was not reported, and that the current status of the account was 30 days past due. I recently received investigation results for that dispute. Not only is Trans Union still reporting that the account was 30 days late in XX/XX/XXXX, but Trans Union has changed XX/XX/XXXX from unknown to 30 days late, changed XX/XX/XXXX from current to 60 days late and changed several months between XX/XX/XXXX and XX/XX/XXXX from current to 30 days late. XXXX XXXX current reporting of the payment history is inconsistent and contradicts the reports and files that Trans Union previously provided, including Trans Union reports dated XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX. Also, XXXX XXXX XXXX  is reporting different and contradictory information to the other credit reporting agencies. Attached is my XX/XX/XXXX XXXX Report, XX/XX/XXXX XXXX Report and XX/XX/XXXX myFICO report. The differences between the reports are illustrated in a table included in the attached letter. 

It is apparent from the different credit reports that XXXX XXXX XXXX is not a reliable source of information for the reporting of this account. To that point, every month that XXXX XXXX XXXX  has reported as negative to one of the credit reporting agencies, it has reported that same month differently to other credit reporting agencies. Starting from the most current negative reportings, XXXX XXXX XXXX  reported me as 30 days late in XX/XX/XXXX and XX/XX/XXXX to Trans Union but Current to XXXX and XXXX. For XX/XX/XXXX, XXXX XXXX XXXX  reported me as 60 days late to Trans Union, 30 days late to XXXX and Current to XXXX. Next, for the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX ; XXXX XXXX XXXX  reported me as 30 days late to Trans Union but reported me as Current in the same months to XXXX and XXXX. Last, in the months of XXXX, XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX  reported me as 30 days late to Trans Union but reported me as Current in the same months to XXXX and XXXX. 

If Trans Union reviews the credit reports that I have included with this dispute letter, then Trans Union will see that XXXX XXXX XXXX  is reporting inconsistent information. If XXXX XXXX XXXX  is not able to reconcile these inconsistencies, then Trans Union needs to modify or delete the information that I have disputed. If XXXX XXXX XXXX attempts to provide an answer to these inconsistencies and claim some of the negative information is accurate, then you can contact me, and I can provide statements and/or payments showing that I was not late for the disputed months. My number is ( XXXX ) XXXX and email is XXXX. You need to contact me so I can apprise you of the harm your reporting is causing me and take that information into consideration when you are investigating my dispute.

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