Consumer complaint received 2025-07-08 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:
I have a full copy of my credit report, and I have found many errors and inaccurate information, and I demand that this account be properly investigated and deleted from my consumer report due to being wrongly reported. It has caused a great deal of frustration in my life, and this is not fair. According to the law, I demand my full rights be carried out, and I will continue to fight for fair credit reporting.Dear Sir/Madam, I am writing to formally dispute inaccurate information being reported on my TransUnion credit file concerning XXXX XXXX XXXX 
Inaccuracies Identified : The account is incorrectly showing a 30-day late payment in 2023, even though my records indicate that all payments were made on time and in full. 
Inconsistent payment history not aligned with account status listed as " Current. '' Balance inconsistencies : different balances reported ( {$930.00} ) which do not align with other records or reported payment activities. 
The high credit and payment status conflicts with the accurate monthly payment schedule I maintain. 
Number of Violations and Amounts : Total Violations Identified : 4 False late payment reporting. 
Inconsistent balance reporting. 
Misrepresentation of payment history. 
Conflict with current account status despite derogatory entry. 
Amount per Violation : {$1000.00} Total Violations Amount : {$4000.00} Violation of FCRA : Under 15 U.S.C. 1681e ( b ) and 1681i, credit bureaus are required to ensure maximum possible accuracy of all information and properly reinvestigate disputes. The above discrepancies represent clear violations.

Requested Action : I demand immediate deletion of the false 30-day late payment, correction of all balance discrepancies, and removal of any negative remarks or inaccurate payment histories. If this information can not be fully verified with original documentation ( not automated data ), I demand deletion of the entire account from my report. 
Please provide written confirmation of your reinvestigation and resolution within 30 days as required by federal law. 
Thank you for your immediate attention to this matter. 
Dear Sir/Madam, I am formally disputing the inaccurate and misleading information reported on my Experian credit file concerning XXXX XXXX XXXX. 
Inaccuracies Identified : An incorrect 30-day late payment reported in 2023, which contradicts my records and payment receipts showing on-time payments. 
Conflicting balances ( reported as {$950.00} ) not matching my actual outstanding balance and payments made. 
Inaccurate representation of payment history inconsistent with Current status. 
Discrepancy in dates of last activity and reported balances that misrepresent account standing. 
Number of Violations and Amounts : Total Violations Identified : 4 False late payment reporting. 
Inconsistent balance reporting. 
Misrepresentation of payment history. 
Conflict with current account status despite derogatory entry. 
Amount per Violation : {$1000.00} Total Violations Amount : {$4000.00} Violation of FCRA : Under 15 U.S.C. 1681e ( b ) and 1681i, you are required to ensure all information reported is complete and accurate, and properly reinvestigate consumer disputes. The above issues constitute multiple violations of my consumer rights. 
Requested Action : I demand immediate deletion of the false 30-day late payment, correction of any balance discrepancies, and removal of all inaccurate remarks or derogatory statuses. If verification can not be fully supported with documented evidence, I request full deletion of this account from my credit report. 
Please provide a written response detailing your reinvestigation results within 30 days as required by law. 
Thank you for your urgent cooperation.

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