Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : [ XX/XX/XXXX ] To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Inaccurate, Conflicting, and XXXX XXXX XXXX Bank XXXX XXXX Account ( Acct. No. XXXX ) XXXX. Overview I am filing this complaint against XXXX  XXXX XXXX ( the furnisher ) and the credit reporting agencies ( XXXX, XXXX, and TransUnion ) regarding the reporting of false and unverifiable late payments on my XXXX  XXXX XXXX account ( Acct. No. XXXX ). 

XXXX  and XXXX  are reporting 30-day late payments for XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX Late Pay.

TransUnion is currently showing the account as current with no lates, which is accurate.

The conflicting data across the three bureaus is proof that the reporting is inconsistent, inaccurate, and non-compliant with federal and state law. 

2. Circled Errors & Why They Are Illegal The circled errors in my credit report show that : XXXX  and XXXX  list false delinquencies, while TransUnion correctly reflects an on-time payment history. 

XXXX  XXXX XXXX has failed to produce validation beyond a single billing statement, which does not establish proof of mailing, delivery, or compliance with TILA/Regulation Z ( 15 U.S.C. 1637 ( b ) ; 12 C.F.R. 1026.5 ( b ) ).

No Negative Information Notice was ever provided as required under FACT Act 217 ( S27 ).

This means the alleged late payments are not legally verifiable and should not appear on any credit file.

3. Federal and State Law Violations FCRA ( 15 U.S.C. 1681i & 1681s-2 ) : CRAs must ensure maximum possible accuracy.

Furnishers can not report or re-report information known or reasonably should be known as inaccurate. 

Any reinsertion of unverifiable data requires prior consumer notice.

TILA/Regulation Z : Requires proof that billing statements were sent at least 21 days before the due date. No such proof has been provided.

California CCRAA ( Civil Code 1785.25 ( a ) ) : Prohibits furnishers and CRAs from including information they know or should know is incomplete or inaccurate.

4. Lack of Validation I made multiple requests for validation. To date, the only document provided was a single statement copy, which is inadequate and fails to meet legal standards. The absence of mailing proof, delivery confirmation, or negative information notices renders the reported lates invalid and illegal.

5. Hardship and Harm These false reports are severely affecting my life.

I am in the process of purchasing a home, and these inaccurate entries have negatively impacted my credit profile and my ability to secure fair mortgage financing.

The situation is causing significant financial and emotional hardship for me and my family during an already difficult time.

6. Specific Concerns with TransUnion While TransUnion is currently reporting my account correctly, I am concerned about the risk of reinsertion of the false late-payment data. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), TransUnion must not reinsert unverifiable information and must provide me with written notice if reinsertion is attempted.

7. Requested Relief I respectfully request that the CFPB : Investigate XXXX  XXXX XXXX, XXXX, XXXX, and TransUnion for violations of the FCRA, TILA, FACT Act, and California CCRAA.

Order XXXX  and XXXX  to delete the XXXX and XX/XX/XXXX late-payment notations immediately. 

Require TransUnion to maintain the accurate reporting of my account and block any attempt to insert unverifiable data. 

Require XXXX  XXXX XXXX to provide full, legally compliant validation documents or permanently cease furnishing negative data. 

Ensure all CRAs provide me with written confirmation of corrections and safeguards against reinsertion.

8. Next Steps If this matter is not resolved through CFPB enforcement, I will be forced to escalate by : Filing complaints with the FTC and California Attorney General ; Initiating small claims litigation against XXXX  XXXX XXXX, XXXX, and XXXX  for damages under : FCRA 1681no ( statutory, actual, punitive damages, and attorneys fees ) ; TILA remedies for failure to provide disclosures ; California CCRAA penalties. 

Sincerely, XXXX XXXX XXXX XXXX. 

Attachments : Screenshot of Experian XXXX Equifax credit reports ( circled errors ) XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX Late Pay Prior dispute letters to XXXX  XXXX XXXX and XXXX

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