Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Dear CFPB XXXX, I am submitting this formal complaint regarding inaccurate and incomplete information appearing on my credit reports. Certain furnishers continue to report derogatory or unverifiable data despite my previous disputes. I am requesting that these items be reviewed for accuracy and compliance with federal consumer-protection law. 
Applicable Federal Standards This correspondence references the following sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of information. 
XXXX U.S.C. XXXX : Establishes the right of consumers to a reasonable reinvestigation of disputed information. 
XXXX U.S.C. XXXX ( a ) ( XXXX ) : Requires furnishers of credit information to provide written notice to the consumer when reporting negative data. 
The continued reporting of late payments or missing payment history demonstrates failure to meet these federal standards. 
Accounts for XXXX ( with Additional Reasoning ) XXXX. XXXX XXXX Loan Opened : XX/XX/XXXX | Closed : XX/XX/XXXX | Balance : {$0.00} Issues : - Reports multiple late payments despite {$0.00} balance ( paid in full ). 
- Rolling Late : Some late payments appear to result from prior late fees or unauthorized entries ( e.g., sequence XXXX, XXXX, XXXX, XXXX, XXXX ). 
- Missing Payment History : Payment history begins at the first reported late instead of the account open date, omitting prior positive payments. 
XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX | Closed : XX/XX/XXXX | Balance : {$0.00} Issues : - Inconsistent reporting showing both paid in full and late marks. 
- Rolling Late & Missing History : Payment sequence may reflect late fees or gaps in reporting ; prior positive payments omitted. 
XXXX. XXXX XXXX XXXX XXXX ( Closed ) Opened : XX/XX/XXXX | Closed : XX/XX/XXXX | Balance : {$0.00} Issues : - XXXX reported missed payments may be inaccurate or unauthorized.

- Rolling Late : Late marks may be the result of prior fees or system errors. - Missing Payment History : Early on-time payments not fully reported. 
XXXX. XXXX XXXX Opened : XX/XX/XXXX | Closed : XX/XX/XXXX | Balance : {$0.00} Issues : - Reports continued after closure ; sequence of late payments may be unauthorized. 
- Rolling Late & Missing History : Prior on-time payments are missing, impacting accuracy. 
XXXX. XXXX XXXX XXXX XXXX ( Active ) Opened : XX/XX/XXXX | Balance : {$9100.00} of {$10000.00} limit Issues : - Shows rolling late pattern inconsistent with actual payments. 
- Rolling Late & Missing History : Early positive payments not reflected ; late payments may be unauthorized. 
Inquiry to Review XXXX ( Finance ) Hard inquiry dated XX/XX/XXXX No record of authorization. Must be verified under XXXX ( a ) ( XXXX ). If unverifiable, deletion is required. 
Summary I request that each account and inquiry be reviewed and corrected in compliance with federal law : FCRA XXXX ( b ) Accuracy of information FCRA XXXX Reinvestigation of disputed information FCRA XXXX ( a ) ( XXXX ) Notice of negative information Accounts that can not be verified with original documentation or complete payment records should be deleted to restore accuracy and fairness.

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