Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
I am filing this complaint because multiple furnishers are reporting late payments that never occurred, violating FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). I always pay on time, yet inaccurate data continues to harm me. I request immediate correction of all false late payment histories. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$390.00} Date Opened : XX/XX/XXXX Late Payment The late payment history being reported is inaccurate. I have never made a late payment on this account. Reporting false delinquency violates FCRA 1681e ( b ) and 1681i because you are required to ensure accuracy during an investigation. I am demanding immediate correction of the payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Late Payment I have never made a late payment on this account. The data furnished is factually wrong and must be corrected. Continuing to report inaccurate late payments despite prior disputes violates FCRA 1681e ( b ) and 1681i. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment The late payment reporting is false. I have not missed payments and the late status is being inaccurately furnished. Retaining this false status after multiple disputes violates your reinvestigation obligations under FCRA 1681i and accuracy requirements under 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$13000.00} Date Opened : XX/XX/XXXX Late Payment The late payment information is incorrect because I have never been late on this account. Continuing to report false derogatory data violates FCRA 1681e ( b ), which requires maximum possible accuracy, and 1681i, which requires a reasonable reinvestigation. 

XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Late Payment Your report of late payments is factually inaccurate. I have never made a late payment on this account. Reporting incorrect delinquency violates FCRA 1681e ( b ) and 1681i, and this information must be corrected. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. Reporting unauthorized inquiries is a violation of FCRA 1681b. I am requesting removal of this inquiry. 

XXXX XXXX XXXX  XX/XX/XXXX This inquiry was not authorized. You are required under XXXX XXXXXXXX to report only permissible-purpose inquiries. Remove this item. 

XXXX XXXX XXXX  XX/XX/XXXX This inquiry is also unauthorized and violates the permissible-purpose requirement under FCRA 1681b . I am requesting immediate deletion. 

XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Reporting it violates FCRA XXXX, and it must be removed. 

XXXX XXXX XX/XX/XXXX This inquiry was never authorized by me and must be deleted in accordance with FCRA 1681b because there was no permissible purpose. 

I respectfully request CFPB intervention because these repeated inaccuracies show the furnishers have not complied with the FCRA and continue to report false derogatory information that harms me.

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