Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading reporting of a XXXX XXXX credit card account on my TransUnion credit report. 

The trade line in question is XXXX XXXX, account ending in XXXX, which TransUnion is currently reporting with 30-day late ( XX/XX/XXXX ) and 60-day late ( XX/XX/XXXX ) payment marks. 

I previously submitted a written factual dispute directly to TransUnion regarding these late-payment codes and inconsistencies. TransUnion completed its investigation and verified the account as reported, but the tradeline is still inaccurate and misleading. I have identified several factual errors and violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards : 1. Contradictory Current status with late codes TransUnion is showing the accounts Payment Status as Current with a Past Due Amount of {$0.00}, while at the same time reporting 30-day and 60-day late payment codes in the two-year payment history section.

A tradeline can not be both current/ {$0.00} past due and 30/60 days late for the same periods. This is internally inconsistent and misleading to lenders.

2. Misleading dispute remark vs. dispute status The TransUnion tradeline shows a Creditor Remark along the lines of Dispute resolved; reported by grantor, while the Dispute Status field says Account not disputed.

This implies there was a prior dispute but does not accurately reflect the resolution and continues to cast the tradeline as problematic or derogatory.

3. High balance vs. credit limit inconsistency TransUnion is reporting a High Balance of {$670.00} on a {$500.00} credit limit. This over-limit reporting, without clear explanation or correction, raises questions about whether the data is being accurately coded and whether fees or adjustments are being misrepresented.

4. Inflated or inaccurate payment-history timeline The account was opened around XX/XX/XXXX, yet TransUnions two-year payment history reflects a longer span of review history than is actually possible based on the open date. This suggests that TransUnion and/or XXXX XXXX are not maintaining an accurate and logical timeline for this account. 

5. Overall failure to ensure maximum possible accuracy Taken togetherCurrent / {$0.00} past due status, late codes, conflicting dispute remarks, and questionable high-balance datathe tradeline is not presenting a clear, accurate, or fair picture of my payment behavior. It overstates risk and derogatory behavior in a way that is inconsistent with how the account is actually being handled. 

I have already submitted a written factual dispute directly to TransUnion, asking that they either correct the tradeline to accurately reflect Current / Paid as Agreed with no late marks or remove the inaccurate negative information. TransUnion has continued to report the late codes and conflicting information. 

Additionally, TransUnion is the only credit bureau reporting these late-payment notations for this XXXX XXXX account. The other bureaus are not reporting these XX/XX/XXXX and XX/XX/XXXX late payments at all. This inconsistency across bureaus further suggests that TransUnions version of the tradeline is inaccurate, not properly verified, or not being furnished and coded correctly under FCRA and XXXX XXXX standards. 

As a result of this reporting : My credit score is being harmed ; I am being viewed as having late payments that are not supported by the current status information ; and Lenders are being given a distorted picture of my risk.

I am asking the CFPB to review this matter and require TransUnion and XXXX XXXX to bring this tradeline into full compliance with FCRA and XXXX XXXX guidelines, including the prohibition on internally contradictory and misleading coding.

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