Consumer complaint received 2026-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because Equifax, Experian , and TransUnion are reporting inaccurate, incomplete, inconsistent, and potentially unverifiable information on my credit reports regarding multiple mortgage and credit accounts. The reporting differs substantially from bureau to bureau, contains conflicting account data, missing required information, unsupported derogatory remarks, and account details that can not all be simultaneously accurate. These reporting failures have damaged my creditworthiness and have caused me ongoing harm by misrepresenting the true status and history of my accounts. The first account at issue is XXXX XXXX XXXX XXXX, account ending in XXXX. All three credit bureaus report this account as open with a balance of approximately {$390000.00} and a past-due amount of approximately {$40000.00}. The account is also reported with severe derogatory payment status descriptions such as " Over XXXX Days XXXX XXXX, '' " XXXX days or more past due, '' and " paying under a partial payment agreement. '' However, the account data reported by the bureaus is materially inconsistent. Equifax reports a Date Last Active of XX/XX/XXXX while the Date of Last Payment is missing or blank. Experian reports a Date of Last Payment of XX/XX/XXXX while Date Last Active is missing or blank. TransUnion reports a Date Last Active of XX/XX/XXXX while the Date of Last Payment is missing or blank. These conflicting dates demonstrate that the bureaus are not reporting the same verified account information. If a creditor is allegedly reporting severe delinquency, a substantial past-due balance, and a partial payment arrangement, then the Date Last Payment, Date Last Active, and supporting account activity must be complete, accurate, and consistently verified. The reporting currently appearing on my consumer reports is contradictory and raises serious questions about whether the information has been reasonably investigated or verified. The second account at issue is XXXX XXXX, account ending in XXXX. This account is reported as closed with a {$0.00} balance, {$0.00} past due, and " Pays As Agreed '' status. Despite this positive status, the bureaus continue reporting derogatory payment history and delinquency references that are inconsistent with the account 's reported condition. Equifax reports transferred account comments along with alleged delinquencies during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax also reports the number of months/terms as XXXX, Date Last Active as XX/XX/XXXX, and Date of Last Payment as blank. Experian reports the same account with alleged delinquency references during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but reports the number of months/terms as XXXX, Date Last Active as blank, and Date of Last Payment as XX/XX/XXXX. TransUnion reports the same delinquency references, reports the number of months/terms as XXXX, Date Last Active as XX/XX/XXXX, and Date of Last Payment as blank. These reporting differences can not all be accurate. A closed account with a XXXX balance and a pays-as-agreed status should not simultaneously contain unsupported derogatory payment history unless each item has been independently verified and is being reported accurately and consistently. The conflicting terms, payment dates, activity dates, and derogatory remarks demonstrate incomplete and inconsistent reporting among the nationwide consumer reporting agencies. The third account at issue is XXXX XXXX XXXX XXXX, account ending in XXXX, which is reported by Equifax. This account is reported as open with a {$0.00} balance, {$0.00} past due amount, {$0.00} credit limit, {$0.00} high credit, and a payment status listed as " Unavailable. '' Equifax also reports comments indicating " Lost/stolen '' and " lost or stolen card. '' This reporting is misleading, incomplete, and potentially damaging. An open account with no balance and no delinquency should not contain negative or risk-related comments unless those comments are current, accurate, relevant, and fully verifiable. The payment status being reported as " Unavailable '' further demonstrates incomplete reporting because consumers and lenders are unable to determine the actual account performance from the information being furnished. I disputed these issues because the reporting contains numerous inconsistencies, omissions, conflicting dates, unsupported derogatory remarks, and data fields that differ from XXXX bureau to another. The Fair Credit Reporting Act requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to conduct reasonable reinvestigations when disputed information is challenged. When critical account fields such as payment dates, account activity dates, account terms, delinquency history, payment status, and account comments differ between bureaus, there is a legitimate question as to whether the information has been properly verified. The reporting of severe derogatory information has negatively affected my credit profile, credit opportunities, reputation with lenders, and overall financial standing. I believe the bureaus have failed to maintain maximum possible accuracy and have continued reporting information that is inaccurate, incomplete, inconsistent, or unsupported by competent verification.

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