Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I had an incorrect 90-day late payment reported to the credit bureau XXXX XX/XX/year>. I work with XXXX XXXX XXXX on a forgiveness plan in which I pay them, and they submit the payments to XXXX. When the 90-day late payment was sent to the credit bureau , I was notified via email that my scores has dropped around 100 points across all 3. This was extremely alarming as I had never received any email or notices that I was behind in any way ( because I wasn't ). I immediately contacted XXXX XXXX XXXX in which they provided me with a dispute letter to submit to XXXX as the credit bureaus noting that I was in good standing and they my payments are on-time. I submitted disputes to the credit bureaus and had this resolved from XXXXXXXX XXXX. They acknowledged the dispute and corrected my account. However, since then the 90-day late payment keeps getting re-reported to my account and significantly dropping my score. In addition, it appears as though my XXXX account as a whole keeps getting removed and re-added as a new account - also significantly fluctuating my score. This has made it difficult for me to work on maintaining good credit as well as purchase a new car and home. I reached out to XXXX directly and sent the dispute letter again in which they responded that they would not fix the reported data. They have not been cooporative and it is clear that all of the re-posted information keeps coming from their side. In addition, I have not been able to access my promissory note which has been another issue. 

ive submitted disputes to Equifax, Experian, and TranUnion dating back to XX/XX/year>. All were initially resolved and negative remarks were removed from my credit score ; however, they keep reappearing and getting re-reported. For example, my credit score was in the XXXX in XXXX and randomly got dropped upwards of 60+ points from my XXXX account getting removed, re-reported, and 90+ day past due balances getting re-reported. Its been a hassle. I submitted a new dispute to the XXXX credit bureaus at the end of XXXX when it got reported again and just got results noting that it was removed from my report last week and my score went back up. However, I logged in yesterday and everything got re-reported and my score dropped the 60-70 points again. Im trying to get this resolved so I dont keep having fluctuations and having to re-submit disputes. Its messing up my credit history with large drops and rises. I believe its all coming from XXXX directly so I think it needs to be resolved with them, but they are not being very helpful. Disputes in general are not very timely so it's been frustrating that this has been an ongoing issue since XXXX of 2025. I have felt tied to daily credit monitoring to make sure I'm keeping it accurate, but it's been draining and diminishing my hope of credit repair when this should not have been an issue in the first place. 


XXXX has historically had a lot of issue with lack of communication, incorrect payment reporting, incorrect credit reporting, and overall is not honest with their users. This must be addressed and corrected. 


I have attached supporting documentation. Please let me know if you need additional information.

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