Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
1. XXXX  XXXX XXXX Credit Card Inconsistent & Inaccurate Reporting Account Opened : XXXX Credit Limit : {$2300.00} Reported Balances : {$1100.00} ( XXXX  ), {$1100.00} ( TransUnion ), {$0.00} ( XXXX  ) Status : Closed by credit grantor / Closed due to inactivity / Closed Current Action Taken by XXXX  XXXX XXXX : Closed the account Actions Taken by You : Made payments timely, brought balance to {$0.00} What Happened : Between XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XXXX reported inconsistent balances, credit limits, and comments across all three bureaus. XXXX  began reporting a {$0.00} credit limit, which is inaccurate because the true limit was {$2300.00}. The Date Last Active and remarks differed between bureaus, creating material inaccuracies. 

You contacted XXXX  XXXX XXXX by phone in XX/XX/XXXX, and they advised you the account was closed in good standing. However, negative and conflicting reporting remained. 



2. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect 90-Day Late Payments Account Number : ending XXXX Loan Amount : {$15000.00} Opened : XX/XX/XXXX Closed : XXXX Reported Delinquency : 90 Days Late ( XXXX XXXX ) Actual Status : Paid close-out amount and loan was closed with {$0.00} balance Actions Taken by You : Last payment made XX/XX/XXXX Loan fully satisfied Actions by XXXX XXXXXXXX XXXX XXXX : Reported different dates to each bureau Marked the account 90 days late AFTER it was paid/closed What Happened : XXXX XXXXXXXX XXXX XXXX reported 90-day late payments in a period where the account was already closed and paid off. TransUnion lists the Date of Last Payment as XX/XX/XXXX, while XXXX  reports the last payment as XX/XX/XXXX, which is false. 

This resulted in a misleading delinquency, negatively impacting your score. 



3. Affirm Missing & Inconsistent Payment History Loan Amount : {$150.00} {$400.00} range ( multiple purchases ) Opened : Throughout XXXX Status : Paid on time Reported Issue : Missing months of payment history Action Taken by You : Completed payments timely Contacted XXXX  support Action Taken by XXXX  : Reported incomplete payment blocks Failed to provide a full history to all bureaus What Happened : In XXXX and XXXX, Affirm reported incomplete or blank payment monthscreating an understated payment pattern. You paid your installments consistently, but the payment history was not recorded properly. This resulted in inaccurate reporting. 



4. XXXX Lease Unverifiable Reporting Lease Amount : {$1200.00} Opened : XXXX Status : Completed/Closed Reported Issue : Missing monthly data & inconsistent status Action Taken by You : Completed lease Requested verification Action Taken by XXXX : Reported partial data Could not provide full month-by-month records What Happened : XXXX reported missing months and inconsistent status remarks to different bureaus. When you contacted them on XX/XX/XXXX, they could not provide a full payment history. Under FCRA, this means the data is unverifiable. 



5. XXXX XXXX XXXX XXXX XXXX  Tradeline Missing Rental History Rental Amount : {$1100.00} monthly Lease Period : XXXX Reported Issue : Some months missing payment history Action Taken by You : Paid rent each month Requested ledger copies Action Taken by 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