Consumer complaint received 2025-11-25 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:
To Whom It May Concern : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). 

Summary of Issue : XXXX XXXX has failed to accurately report my auto loan payments and balance since XX/XX/year>, despite my continued payments and bringing the account current. This error caused a XX/XX/XXXX-point drop in my credit score, resulting in financial harm. 

The account in question is : Creditor : XX/XX/XXXX Loan Amount : {$12000.00} Reported Balance ( per TransUnion ) : {$10000.00} ( last updated 84 days ago ) Current Balance ( per lender portal ) : {$10000.00} Reported Status : Missed payment and 3059 days late since XX/XX/year> Payments Made : Multiple payments since XX/XX/year> ( proof attached ). 
Credit Bureau Status : Missed payment reported ; payment history shows XX/XX/XXXX days late despite account being current. 

This information is inaccurate and incomplete because : I have made multiple payments since XX/XX/year> and brought the account current. 
The lenders own portal shows a lower balance and confirms payments. 
The credit report incorrectly reflects missed payments and outdated balance. 

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. 
15 U.S.C. 1681s-2 ( a ) Furnishers ( like XXXX XXXX ) must provide accurate information and correct errors promptly. 
15 U.S.C. 1681i ( a ) When a consumer disputes accuracy, the credit bureau must reinvestigate within 30 days and delete unverifiable or inaccurate items. 
12 CFR 1022.43 Furnishers must conduct a reasonable investigation of disputes regarding payment status, balance, and account terms. 
15 U.S.C. 1681e ( b ) Consumer reporting agencies must ensure maximum possible accuracy. 
15 U.S.C. 1681s-2 ( a ) Furnishers must provide accurate information and correct errors promptly. 
15 U.S.C. 1681i ( a ) Upon dispute, the bureau must reinvestigate within 30 days and delete unverifiable or inaccurate items. 

Requested Action : Correct the payment history and balance to reflect accurate, up-to-date information. 
Remove any late payment notations since XX/XX/year>. 
If the furnisher can not verify accuracy within the required timeframe, delete this tradeline entirely under FCRA 1681i ( a ) ( 5 ). 

Evidence Attached : Screenshot showing outdated balance and missed payment alert ( TransUnion ). 
Screenshot of payment history showing incorrect late status. 
Screenshot from XXXX XXXX portal showing correct current balance. 
Bank statements confirming payments since XX/XX/year>. 

Please provide written confirmation of the results of your reinvestigation. 
Thank you for your prompt attention to this matter.

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