Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint against TransUnion for reporting inaccurate and harmful information on my credit report related to the following account which is not only misleading but also a clear violation of my consumer rights as outlined under federal law Account Name XXXX OF XXXX Account Number XXXX * * * * Date Opened XX/XX/year> Balance {$0.00} Current Status Late Payment Issue The issue with this account is that it reflects a late payment despite showing a {$0.00} balance which is completely inaccurate and misleading A late payment status on a closed or zero-balance account is contradictory and harmful to my credit standing It suggests delinquency even though no payment is owed This negative item is unjustified and should not be reported because there is no active obligation or due amount at the time of the alleged delinquency Law Cited This violates the Fair Credit Reporting Act ( XXXX ) specifically XXXX USC XXXX XXXX b ) which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they include in credit reports Additionally under XXXX USC XXXX XXXX a ) I have the right to dispute any information I believe to be inaccurate or incomplete and TransUnion is obligated to conduct a reasonable investigation to determine whether the disputed information is inaccurate Within the context of this account reporting a late payment with a zero-dollar balance does not meet the standard of accuracy and reliability required by law Furthermore under XXXX USC XXXX ( a XXXX obsolete and inaccurate information must not be retained on a consumers file if it does not reflect the actual credit behavior accurately Detailed Story and Harm Caused I first noticed this late payment notation while reviewing my TransUnion credit report and was shocked to see a negative mark attached to an account with no balance Reporting a late payment where there is no payment due misrepresents the account status and damages my credit profile unfairly Because of this false negative information I have faced denials on credit applications and unfavorable lending terms This has caused financial hardship stress and emotional harm The credit bureaus have an affirmative duty to ensure that the information reported is both complete and accurate and TransUnion has clearly failed in this responsibility I never received proper validation or documentation substantiating this late payment and I am demanding immediate deletion of this entry from my credit file I urge the Consumer Financial Protection Bureau to investigatXXXX XXXX procedures in this matter and compel the agency to delete this unverifiable and misleading late payment remark from my credit report This is necessary to protect my rights under federal law and to ensure fair and just credit reporting practices

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