Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im filing this complaint because TransUnion is still refusing to fix the inaccurate late payments on my XXXX XXXXXXXX XXXX account for XXXX, XXXX, and XX/XX/XXXX. I have filed multiple disputes, sent supporting documents, and clearly pointed out that Experian and Equifax have already corrected this same account yet TransUnion continues to report the lates as if nothing is wrong. PLEASE TAKE TIME TO READ everything in this complaint carefully. DO NOT SKIP OVER ANYTHING, and DO NOT FORWARD this to any AUTOMATED or AI-based system. Im asking for a real human to review this personally and take my situation seriously. You need to understand what Im dealing with. Im not going to keep tolerating this kind of negligence. I reviewed TransUnions response dated XX/XX/XXXX, and honestly, it was nothing but a copy-paste template. They claim they contacted the creditor and reviewed available information, but they did not provide a single shred of actual evidence showing what was reviewed or how the information was verified. There was no account breakdown, no billing history, no written confirmation just vague statements. That is not a valid reinvestigation and its not compliant with the Fair Credit Reporting Act. Under 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information. That includes actually verifying the information with meaningful detail, not just rubber-stamping it as accurate. Failing to explain how they verified the lates is a direct violation of this section. Under 15 U.S.C. 1681e ( b ), they are also required to ensure the maximum possible accuracy of the information they report. If XXXX out of XXXX credit bureaus have already REMOVED these lates, and only TransUnion is still reporting them, then that alone shows the information is NOT consistent or reliable. It means their data is either outdated or IMPROPERLY verified. On top of that, the continued reporting of inaccurate, disputed information without my written consent is a violation of 15 U.S.C. 1681b ( 2 ), especially since Ive already challenged it multiple times and made it clear that its affecting my credit. Under 15 U.S.C. 1681s-XXXX ( b ), the furnisher ( XXXX XXXX XXXX XXXX is also required to conduct a reasonable investigation and report accurate information to the credit bureaus. Their failure to correct these lates after multiple disputes also constitutes a violation.

Also, under 15 U.S.C. 1681a ( 2 ) ( A ) ( I ) and 1681a ( d ) ( 1 ), private transaction data and scoring models not intended for public dissemination ( such as FICO/VantageScore interpretations or internal creditor data ) should not be used to define a consumer report unless they meet the strict definition under the FCRA which this clearly does not, based on the inconsistent reporting. Additionally, under the Fair Credit Billing Act ( 15 U.S.C. 1666b ( a ) ), a creditor may not legally report a payment as late if it was received on or before the due date. All of my payments were made on time. Any reporting of these as late not only misrepresents the facts but also constitutes a billing error and federal violation. 

Finally, the fact that theyve ignored my repeated disputes, failed to provide proof, and continue to report false information amounts to willful and negligent noncompliance with the FCRA under 15 U.S.C. 1681n and 1681o. I have the right to pursue damages under those sections, and Im prepared to do so if this continues. AGAIN, Experian and Equifax are NOT REPORTING any lates. So why is TransUnion still claiming its valid? How can this be accurate on only one bureau? If they cant provide real verification, then they are required to delete the late payments and correct the account to Paid As Agreed which is what it should reflect in the first place. Im pleading with the CFPB to take this seriously and hold TransUnion accountable. Ive done everything I can to resolve this, and I truly need your help to finally put an end to this ongoing issue. Ive followed the law, Ive made my disputes clear, and Ive been more than patient. At this point, TransUnion is failing to do their job, and its causing real harm.

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