Consumer complaint received 2025-11-06 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 am submitting this complaint because XXXX XXXX XXXX XXXX XXXX continues to disregard XXXX  law and apply its own internal rules regarding credit reporting and payment processing. 

On XX/XX/XXXX, I spoke by telephone with XXXX from XXXX XXXX XXXX XXXX XXXX, who informed me that the institution would continue using the post date rather than the actual date of electronic receipt for payments made on the due date. This practice violates federal regulations requiring creditors to credit payments as of the date received when made electronically and on time. 

I have been attempting to work with XXXX XXXX XXXX XXXX XXXX to dispute late reporting for XXXX and XX/XX/XXXX. I have also submitted disputes to all XXXX  major credit bureaus. Verbal conversations regarding this issue took place with XXXX and XXXX. During my discussion with XXXX, I informed of the following Truth In Lending Act wherein she advised she would discuss with leadership. I also informed her this is ongoing where in late payments were previously removed. She requested that I send the document however XXXX XXXX maintained their position not to do so after providing evidence. ( attached ) This dispute is based on violations of the Truth in Lending Act ( 15 U.S.C. 1637 ) and Regulation XXXX  ( XXXX C.F.R. XXXX ), which require creditors to credit payments as of the date received. My payments were made before and on the due date through XXXX XXXX online system, yet were improperly reported as late. XXXX XXXX  continued refusal to correct this, despite documented evidence, constitutes noncompliance with both the Truth in Lending Act and the Fair Credit Reporting Act. 

This statement is provided to correct inaccuracies on my credit report regarding payments made to XXXX XXXX XXXX XXXX XXXX. My account payments are due on the XXXX of each month. 

For the billing period in XX/XX/XXXX, I made XXXX online paymentsone on XX/XX/XXXX, and another on XX/XX/XXXX. Both payments were completed before the due date through the companys online payment system. However, my credit report incorrectly reflects only a {$25.00} payment for XX/XX/XXXX. In reality, the total payment made that month was {$100.00}, creating an inaccurate representation of my payment history. 

From XX/XX/XXXX through XX/XX/XXXX, the total regular payments due amounted to {$650.00}, but I paid {$770.00} during that periodplacing me {$120.00} ahead going into the following months. From XX/XX/XXXX through XX/XX/XXXX, the regular payments due totaled {$840.00}, while the total payments I made amounted to {$940.00}. This represents an overpayment of {$98.00}, which placed my account ahead for the XX/XX/XXXX billing cycle. 

As a result of these advance payments, my remaining balance due for XXXX was only {$8.00}. On XX/XX/XXXX, I made the regular payment for the XX/XX/XXXX billing cycleless than XXXX  days after the due date. Given the pattern of overpayments and timely payments, my account should not have been reported as late when overpayments were also applied for the months ahead. 

After speaking with XXXX, I provided documented evidence to XXXX XXXX as she suggested. Despite this, XXXX XXXX has refused to update my credit reports and remove the wrongful reporting of my account as late. The same issue occurred in XXXX, and at that time, XXXX XXXX removed the late reporting after reviewing the evidence I provided. This demonstrates that they have previously acknowledged the accuracy of my position and that the current reporting is inconsistent with their prior resolution of the same issue. 

My payment history demonstrates a consistent pattern of timely and proactive payments, including multiple months where I paid more than the required amount. The current reporting does not accurately represent the payments made on time. 

I have attached all documentation submitted to XXXX XXXX.

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