Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint concerns my XXXX XXXX XXXX  credit card account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The account was opened XX/XX/XXXX, closed XX/XX/XXXX, and reported as Paid/Authorized User with {$0.00} balance. 
Despite this, TransUnion is reporting a 30-day late payment in XXXX XXXX after the account was closed. XXXX  and XXXX  do not report this late payment, demonstrating clear inconsistency. 
I have previously disputed this account, but TransUnion verified the information without providing a lawful method of verification. No billing statements, payment histories, contracts, or ledgers were furnished, and the account has not been marked as disputed, as required. 
As an active-duty servicemember, my file even includes XXXX XXXX notations. Yet my protections under the FCRA and the Servicemembers Civil Relief Act ( SCRA ) were ignored, and derogatory lates continue to be furnished inaccurately.

Legal Violations Fair Credit Reporting Act ( FCRA ) : 605 ( a ), 607 ( b ) Maximum possible accuracy. Reporting a late payment on a closed, paid {$0.00} balance account is inaccurate and misleading.

611 ( a ) ( 1 ) ( A ), ( a ) ( 2 ), ( a ) ( 5 ) CRAs must conduct a reasonable reinvestigation and provide a method of verification. Information that can not be verified must be deleted, not re-reported.

609 ( a ) ( 1 ), ( a ) ( 2 ) Consumers are entitled to the sources and information relied upon for reporting. This has not been provided. 


623 ( a ) ( 3 ) Furnishers must mark an account as disputed once notified. XXXX XXXX failed to do so. 


623 ( a ) ( 1 ) ( A ), ( b ) ( 1 ) Furnishers can not report information they know or should know is inaccurate, and they must investigate disputes forwarded by a CRA.

616617 Continued reporting of unverifiable data is both negligent and willful noncompliance, subject to civil liability. 



FCRA 605A ( b ) ( 15 U.S.C. 1681c-1 ( b ) ) CRAs must apply heightened accuracy standards when an active-duty alert is present. This did not occur.

SCRA ( 50 U.S.C. 3901 et seq. ) Creditors may not take adverse credit actions against servicemembers without honoring rights to relief, including protection from improper derogatory reporting. 


FCRA 604 & Right to Privacy Information furnished without permissible purpose or without proper procedural safeguards further violates my rights. 


XXXX XXXX Standards : A closed, {$0.00} balance account should not carry new derogatory lates. Furnishing this inaccurate data violates industry compliance protocols required for furnishers and CRAs. 


Resolution Immediate deletion of the XX/XX/XXXX XXXX late notation from TransUnion. 


Cease and desist from reporting derogatory or unverifiable data on this closed account. 


Provide the method of verification, including : Name/contact of the XXXX  XXXX staff who verified the late payment Documentation reviewed : original agreement, payment history, billing statements, DOFD, XXXX XXXX XXXX Update the account across all CRAs to reflect : Closed Paid {$0.00} balance {$0.00} past due Authorized User No late payments post-closure Proper dispute notation applied Ensure compliance with active-duty servicemember protections under FCRA 605A ( b ) and the SCRA. 


If the CRA or furnisher can not provide lawful verification, permanently delete this account.

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