Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Upon reviewing my credit reports from all three major credit bureaus ( XXXX, XXXX, and TransUnion ), I discovered that the late-payment history XXXX bank has reported is inconsistent among the bureaus. This raises serious concerns about the accuracy, completeness, and reliability of the information you are furnishing. Please see screenshots inserted. 
XX/XX/XXXX XXXX  : 30 days past due TransUnion : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due TransUnion : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due TransUnion : 30 days past due XXXX  : 30 days past due XX/XX/XXXX XXXX  : 30 days past due TransUnion : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due TransUnion : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due TransUnion : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due TransUnion : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due TransUnion : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due TransUnion : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX : 30 days past due TransUnion : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due TransUnion : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 60 days past due TransUnion : 60 days past due XXXX  : 90 days past due XX/XX/XXXX XXXX  : 60 days past due TransUnion : 60 days past due XXXX  : 90 days past due Under the Fair Credit Reporting Act ( FCRA ), XXXX bank violated 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) the duty to provide accurate information ). XXXX bank furnished different late-payment information to different credit bureaus. 

Duty to report accurately : The mortgage companies must ensure the information they report to credit reporting agencies ( CRAs ) is complete and accurate. 
Uniform reporting obligation : Under FCRA 623 ( a ) ( 1 ) and the CFPB interpretation, a furnisher must not provide data that it knowns or should know is incorrect. 

I demand that XXXX bank : 1. Investigate the accuracy of all late-payment information XXXX bank has furnished for my account to each credit bureau XXXX 
2. Identify and provide documentation showing exactly : o The source from which XXXX bank obtained the late-payment data ; o The records XXXX bank relied on ; and o The method used to determine and verify my alleged late payments. 
3. Confirm whether this same information was furnished uniformly to all credit bureaus. 
If XXXX bank is unable to verify with documentary evidence that these late payments are accurate and reported uniformly, you must, under the FCRA : Immediately remove the unverified late-payment entries from all credit bureaus ; or Correct them to reflect a current/on-time status across all bureaus.

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