Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against XXXX ( Citicards XXXX ) for inaccurate and incomplete credit reporting on my account ( Account # XXXX, opened XX/XX/XXXX ), which violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ). This reporting has severely damaged my credit scores ( e.g., FICO XXXX scores of XXXX across Equifax, Experian, and TransUnion as XXXX XX/XX/XXXX ) due to reported late payments, a high balance, and a past-due amount, despite my prior disputes. 

Specifically : Inaccurate Late Payments : The account reports late payments ( 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX on Experian ), but these are incorrect. I previously disputed billing errors under the XXXX, and my records show timely payments or errors in billing that were not properly credited. The reports note " FCBA dispute resolved - consumer disagrees '' ( or similar on Experian and TransUnion ), indicating XXXX failed to adequately resolve the issue. This violates FCRA 1681s-2 ( a ) ( 1 ), which prohibits furnishers from reporting inaccurate information, and 1681s-2 ( b ), requiring a reasonable investigation upon dispute notice. 

High Balance and Utilization : The reported balance is {$20000.00} ( 109 % of the {$18000.00} limit ) with {$1900.00} past due, but this includes disputed charges or fees from unresolved billing issues. This artificially inflates my credit utilization and triggers " serious delinquency '' flags on my reports, harming my ability to obtain credit. Under CFPB regulations ( XXXX C.F.R. XXXX ), furnishers must ensure reported data is complete and accurate ; this reporting is neither. 

Inconsistencies Across Bureaus : Payment history varies ( e.g., XXXX  shows only up to XXXX XXXX XXXX, Experian shows XXXX XXXX ), suggesting systemic errors in XXXX 's reporting process, in violation of FCRA 1681e ( b ) ( requiring maximum possible accuracy ). 

Prior Actions Taken : I disputed this with XXXX directly under XXXX, but they marked it " resolved '' without addressing my concerns. I have also disputed ( or plan to dispute ) with the credit bureaus ( XXXX, Experian, XXXX  ). Despite this, the inaccuracies persist, causing ongoing harm including denied credit applications, higher interest rates, and emotional distress. 

This appears to violate CFPB supervisory guidance, including XXXX XXXX, which requires furnishers to handle disputes properly and not re-report unverified information. XXXX 's failure to correct these errors demonstrates negligence or willful non-compliance, exposing them to liability under FCRA 1681n and 1681o ( actual, statutory, and punitive damages ).

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