Consumer complaint received 2025-07-24 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:
TransUnion is reporting late payments on multiple accounts that have long been paid in full, closed, and carry a XXXX balance with no past due amounts. These accounts include XXXX XXXX ( Account No. XXXX XXXX XXXX, reported from XX/XX/XXXX to XX/XX/XXXX ), XXXX ( Account XXXX. XXXX, dated XX/XX/XXXX ), XXXX ( Account XXXX. XXXX, dated XX/XX/XXXX ), XXXX ( Account XXXX. XXXX, dated XX/XX/XXXX ), and XXXX ( Account XXXX. XXXX, dated XX/XX/XXXX with a Past Due amount of {$0.00} ) XXXX XXXX. These accounts are all paid and closed, with XXXX balances and no past-due obligations. There is absolutely no lawful or rational

basis for derogatory payment history to continue appearing in association with them, especially when the accounts reflect no current or outstanding debt. TransUnions reporting of these late payments on otherwise positive, resolved accounts is materially inaccurate and violates 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to implement and maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information. The presence of derogatory data tied to accounts that have been fully satisfied and closed sends a misleading signal to lenders, misrepresents my financial behavior, and causes active harm to my credit standing. Furthermore, I have already submitted formal disputes regarding these accounts, and TransUnion has failed to correct them or provide any actual supporting documentation to justify the continued reporting of negative history. Instead, I received a dismissive response claiming the information had been " verified, '' without so much as a copy of a billing statement, transaction record, or signed agreement confirming that these late payments were valid, accurate, or even reportable under the current status of the accounts. That is not verificationit is negligence. Under 15 U.S.C. 1681i ( a ), TransUnion is obligated to conduct a reasonable reinvestigation of any disputed information, and the failure to provide any documentation beyond automated confirmations shows a reckless disregard for this legal obligation. There is no justification for the continued reporting of derogatory payment history o n XXXX XXXX XXXX XXXX XXXXXXXX, or XXXX, especially when all five accounts clearly reflect paid and closed status, with XXXX balances and no past due amounts. These derogatory marks serve no purpose other than to damage my profile and delay or deny my access to credit. Creditors reviewing my file have repeatedly flagged these late payments despite the accounts being resolved, forcing me to explain and defend tradelines that should no longer be contributing to any derogatory scoring models. This situation has caused very real and ongoing harm. My credit score continues to be suppressed by late payments that no longer reflect my financial condition. I have lost opportunities for competitive lending products, been subjected to unnecessary manual reviews, and dealt with personal embarrassment explaining derogatory entries that should have been removed or corrected years ago. The emotional toll of having to relive these errors every time I apply for something as simple as a rental, refinance, or line of credit is exhausting. I have complied with my responsibilities, paid my debts, and closed these accounts properlyyet TransUnion continues to weaponize old, resolved history against me with no legal justification or procedural integrity.

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