Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( Acct ending XXXX ) Bureau : TransUnion Summary of the violation TransUnion is reporting a XX/XX/XXXX XXXX late on my XXXX XXXX installment loan even though, under the contracts monthly due-date schedule and the undisputed cure on XX/XX/XXXX, the XXXX installment never reached 30 days past due. The reporting is therefore factually inaccurate and misleading in context, in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and furnisher duties under 1681s-2 ( b ). The only compliant remedy is deletion of every late indicator tied to this tradeline. 

Evidence ( Exhibits ) Exhibit A ( TransUnion report ) : The XXXX tradeline shows Pay Status : >Paid, Closed ; was 30 days past due date<, Date Closed : XX/XX/XXXX, and a payment-history grid coding XX/XX/XXXX = OK, XX/XX/XXXX = XXXX, XX/XX/XXXX = OK. 

Exhibit B ( Loan contract ) : The Truth-in-Lending payment schedule sets a monthly due-day pattern beginning XX/XX/XXXX ( establishing the XXXX as the recurring bill day ). 
The contract also limits late/NSF consequences to fees : Late charge : If Your payment is more than 15 days late, You will be required to pay a late charge of 5 % of the payment due, but not less than {$10.00}. 

Autopay/NSF : Any month in which there are insufficient funds will result in assessment of a {$20.00} Loan Advance Transfer NSF Fee, which will be added to the outstanding Loan balance. 

Why XX/XX/XXXX = 30 days late is impossible under the note Contractual due date : With payments due monthly on/around the XXXX ( schedule beginning XX/XX/XXXX ), the XX/XX/XXXX installment was due XX/XX/XXXX. 

Cure date : I paid XXXX months on XX/XX/XXXX ( bringing the account current, exactly as TransUnion reflects by returning the grid to XXXX for XXXX ). 

Elapsed days : From XX/XX/XXXX to XX/XX/XXXX is 12 days, not 30. A 30-days late code for XXXX therefore can not be true on this record. 

No alternative month : If the furnisher claims the XXXX derived from XXXX due date, then XXXX XXXX have to carry the 30-day code by the end of XXXX ; yet the grid shows XX/XX/XXXX = OK. Either way, the month-level coding is wrong on TransUnions report. 

Why the late presentation is also misleading in context The contract sets late/NSF remedies as fees ( 5 % late fee and a {$20.00} autopay-NSF fee ), not an automatic derogatory reporting status ; the note does not redefine 30-days late in a way that would convert fees or autopay shortfalls into a 30-day delinquency. 

TransUnion shows the account current again in XXXX and ultimately Paid/Closed on XX/XX/XXXX, yet it still carries the was 30 days past due stigma. Retaining that label where 30 days never elapsed and the account cured the very next cycle is materially misleading to creditors evaluating overall performance. 

Legal basis 15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. A XX/XX/XXXX XXXX late that could not have occurred given the contracts due-date schedule and the XX/XX/XXXX cure is not accurate. 

15 U.S.C. 1681i Upon dispute, inaccurate or incomplete information must be corrected or deleted.

15 U.S.C. 1681s-2 ( b ) Furnishers must reasonably investigate and correct/delete information that is inaccurate or misleading in context.

Non-curable defect : Because the contract fixes the due-day and the cure date is undisputed, no additional past-due explanation or ledger narrative can convert 12 days into XXXX. This is a categorical ( not evidentiary ) mismatch. The only compliant resolution under the FCRA is deletion of the late coding and language. 

Harm The erroneous derogatory suppresses my creditworthiness and has contributed to adverse credit-line decisions, despite the account being cured within one cycle and paid/closed thereafter. 

Attachments : Exhibit A : TransUnion report pages for the XXXX tradeline showing XXXX = OK XXXX = XXXX XXXX = OK, Pay Status Paid, Closed ; was 30 days past due date, and Date Closed XX/XX/XXXX. 

Exhibit B : Loan & Security Agreement showing monthly schedule beginning XX/XX/XXXX and the late-fee ( 5 %, {$10.00} min ) and autopay-NSF ( {$20.00} XXXX remedies.

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 explanation