Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
I am filing this complaint because several furnishers are reporting false late-payment histories on my credit report. I have never made late payments on any of the accounts listed below, and the inaccurate data violates FCRA accuracy and reinvestigation requirements. These errors have caused denials and financial harm, and I request immediate CFPB intervention to remove all inaccurate late-payment information. 

ACCOUNT XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54000.00} ( Late Payment ) The late payment history is inaccurate because I have never been late and you have not provided verified proof. 
Laws : FCRA 602 ; FCRA 607 ( b ) ; FCRA 609 ( a ) ( 1 ) ; FCRA 611 ( a ) ; FCRA 623 XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6.00} ( Late Payment ) This late payment is false and unverifiable as I have never been late. 
Laws : FCRA 602 ; FCRA 607 ( b ) ; FCRA 609 ( a ) ( 1 ) ; FCRA 611 ( a ) ; FCRA 623 XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Late Payment ) The late payment record is inaccurate because I always paid on time. 
Laws : FCRA 602 ; FCRA 607 ( b ) ; FCRA 609 ( a ) ( 1 ) ; FCRA 611 ( a ) ; FCRA 623 XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Late Payment ) The late payment notation is wrong because I have never been late and no verification has been provided. 
Laws : FCRA 602 ; FCRA 607 ( b ) ; FCRA 609 ( a ) ( 1 ) ; FCRA 611 ( a ) ; FCRA 623 XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$590.00} ( Late Payment ) This reported late payment is inaccurate and unsupported. 
Laws : FCRA 602 ; FCRA 607 ( b ) ; FCRA 609 ( a ) ( 1 ) ; FCRA 611 ( a ) ; FCRA 623 XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} ( Late Payment ) The late payment entry is incorrect as I have never made any late payments. 
Laws : FCRA 602 ; FCRA 607 ( b ) ; FCRA 609 ( a ) ( 1 ) ; FCRA 611 ( a ) ; FCRA 623 XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$290.00} ( Late Payment ) The late payment history is false and must be corrected. 
Laws : FCRA 602 ; FCRA 607 ( b ) ; FCRA 609 ( a ) ( 1 ) ; FCRA 611 ( a ) ; FCRA 623 XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} ( Late Payment ) The reported late payment is wrong since I have never missed a payment. 
Laws : FCRA 602 ; FCRA 607 ( b ) ; FCRA 609 ( a ) ( 1 ) ; FCRA 611 ( a ) ; FCRA 623 INQUIRY XXXX XXXX XX/XX/XXXX Not authorized by me and no permissible purpose has been shown. 
Laws : FCRA 604 ; FCRA 607 ( b ) ; FCRA 611 ( a ) XXXX XXXX T XX/XX/XXXX Unauthorized inquiry with no lawful purpose. 
Laws : FCRA 604 ; FCRA 607 ( b ) ; FCRA 611 ( a ) XXXX XXXX XX/XX/XXXX No authorization or permissible purpose provided. 
Laws : FCRA 604 ; FCRA 607 ( b ) ; FCRA 611 ( a ) XXXX XXXX XXXX  XX/XX/XXXX Unauthorized and unverifiable inquiry. 
Laws : FCRA 604 ; FCRA 607 ( b ) ; FCRA 611 ( a ) XXXX XXXX XXXX XX/XX/XXXX No proof of permissible purpose for this inquiry. 
Laws : FCRA 604 ; FCRA 607 ( b ) ; FCRA 611 ( a ) XXXX XXXXXX/XX/XXXX Inquiry not authorized and must be removed. 
Laws : FCRA 604 ; FCRA 607 ( b ) ; FCRA 611 ( a ) XXXX XXXX XXXXXXXX XX/XX/XXXX Unauthorized inquiry lacking permissible purpose. 
Laws : FCRA 604 ; FCRA 607 ( b ) ; FCRA 611 ( a ) XXXX XXXXXX/XX/XXXX No authorization or permissible purpose provided. 
Laws : FCRA 604 ; FCRA 607 ( b ) ; FCRA 611 ( a ) I request full deletion of all inaccurate late-payment data and enforcement of my rights under the FCRA.

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