Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccurately reported late payment entries by DPT EDXXXX and XXXX. These entries are materially false, damaging my credit profile, and must be corrected immediately. 

I am disputing the following accounts as fully inaccurate, because I have never made a late payment on any of these accounts. The reported delinquencies violate the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 602 ( A ) Information must be fair and accurate FCRA 607 ( B ) Furnishers must ensure maximum possible accuracy FCRA 611/623 Duty to investigate and correct inaccurate information Accounts Reported Incorrectly as Late Payments DPT ED / XXXX Accounts XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX High Credit {$3500.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$4300.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$1200.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$2100.00} Late Payment ( Incorrect ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$2200.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$3100.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$1100.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$2000.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX High Credit {$3000.00} Late Payment ( Incorrect ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$1700.00} Late Payment ( Incorrect ) XXXX  Accounts XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$3500.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$3600.00} Late Payment ( Incorrect ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$2200.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$2700.00} Late Payment ( Incorrect ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$2000.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX High Credit {$1100.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$1700.00} Late Payment ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$3000.00} Late Payment ( Incorrect ) Basis of Complaint These late payment reports are false, unsupported, and in conflict with my actual payment history. I have never been late on these accounts, and the furnishers have failed to verify or provide any documentation proving delinquency. 

Because the furnishers are reporting inaccurate information without proper validation, they are in violation of : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting information known to be inaccurate FCRA 623 ( b ) Requires proper reinvestigation FCRA 611 ( a ) Requires correction of inaccurate information Requested Resolution I request that the CFPB require the furnishers and credit reporting agencies to : Immediately conduct a lawful reinvestigation Provide documentation supporting every alleged late payment CORRECT the payment history on all accounts Update all credit bureaus with accurate, clean payment records Provide written confirmation once completed I am requesting correction not deletion because the history being reported is false. 

Closing Statement These inaccurate late payment records are causing serious and unfair harm to my creditworthiness. I am exercising my rights under the FCRA and requesting that the Consumer Financial Protection Bureau intervene to ensure accuracy, fairness, and compliance. 

Thank you for your assistance.

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