Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
XXXXCFPB Complaint Summary  XXXX XXXX XXXX  TransUnion Reporting ErrorsXXXXConsumer: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCreditor: XXXX XXXX XXXX  Account Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredit Bureau: TransUnionXXXXTransUnion continues to report my XXXX XXXX account as delinquent (XXXX  Days Late) from XXXX XXXX even though my servicer ledger confirms all payments were received and applied. A forbearance was completed onXXXX XXXX XXXX bringing the account current. Since XXXX XXXX, I have made all payments on time. Despite this,XXXXTransUnion lists false Past Due amounts and an improper Estimated Removal Date XXXX  on a current mortgage\naccount.\nMonth Range XXXX Amt Paid Past Due XXXX  Status Servicer Payment Error TypeXXXX XXXX  Paid XXXX XXXXLate Full ACH False delinquency post-forbearanceXXXX XXXX XXXX XXXX XXXX-Late Verified Paid months misreportedXXXX XXXX XXXX XXXX XXXX-Late ACH Still marked lateXXXX XXXX XXXX XXXX XXXX-Late Overpaid Inaccurate/re-aged DOFDXXXX XXXX XXXX XXXX XXXX-Late Ledger current False XXXX-late + fabricated due\nRemoval Date XXXX Active Invalid removal clockXXXX XXXX  Verified Payment Ledger XXXXXXXX XXXX XXXX XXXXThe following payments were made directly to XXXX XXXX, confirming continuous on-time performance after\nforbearance was completed XXXX XXXX XXXXMonth Payment Date Payment Amount NotesXXXX XXXX XXXX XXXX Forbearance payment to bring current\XXXX XXXX XXXX XXXX Regular monthly paymentXXXX XXXX XXXX XXXX  Regular monthly paymentXXXX XXXX XXXX XXXX  Regular monthly paymentXXXX XXXX XXXX XXXX Regular payment (includes escrow adj.)XXXX XXXX XXXX XXXX Regular payment (includes escrow adj.)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regular monthly payment\nFCRA / Metro 2 Violations\n 607(b): Failure to ensure maximum possible accuracy\n 623(a)(1)(A): Furnishing data known to be inaccurate\n 623(a)(5)(A): Misreporting DOFD / re-aging account\n Metro 2: 30 codes cannot coexist with full payments; Past Due must be $XXXX  when scheduled payment met; Removal\ndate not allowed on open mortgage.\nRequested Action\nI request the CFPB to require a human-reviewed reinvestigation under 611(a) compelling TransUnion and XXXX XXXX Verify the forbearance on XXXX XXXX XXXX  and all payments since XXXX XXXX  Remove all inaccurate XXXX-day late codes and past-due balances from XXXX XXXXpresent.\n Delete the improper Estimated Removal Date XXXX field.\n Provide written proof of the correct DOFD and accounts current status.\nIf unverified, these tradelines must be permanently deleted under 611(a)(5)(A).'

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