Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX, Equifax, Experian, and TransUnion for continuing to report materially inaccurate and misleading late payment information on my mortgage account, in violation of the Fair Credit Reporting Act ( FCRA ), RESPA/Regulation X, and federal consumer protection standards. 

XXXX XXXX  account # XXXX is currently reported as open, current, and {$0.00} past due across all three credit bureaus. Despite this, the bureaus are simultaneously reporting multiple 90-day late payment codes for XXXX. These data points can not legally or logically coexist and represent a fundamentally contradictory payment history. 

As shown in my attached credit report evidence, the account reflects : {$0.00} past due balance Current payment status No 30-day or 60-day delinquencies Yet multiple 90-day late payment indicators reported across all bureaus Reporting severe delinquencies while an account is current with no past-due balance constitutes material misrepresentation and a failure to ensure maximum possible accuracy.

Despite multiple prior disputes and CFPB complaints, none of the bureaus have produced : A complete payment history ledger Verified dates of delinquency Copies of delinquency or default notices Proof of borrower receipt of any required notices The method of verification or identification of records reviewed Instead, the bureaus have relied on automated furnisher responses, which does not meet the statutory standard for a reasonable reinvestigation.

Additionally, the bureaus report inconsistent last activity dates, verification dates, and status updates, further demonstrating that no meaningful review of original XXXX XXXX  servicing records occurred. 

Reporting 90-day late payments without a corresponding delinquent balance, default status, or substantiating documentation violates : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose the method of verification 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishing information known or believed to be inaccurate 12 C.F.R. 1024.35 & 1024.36 ( RESPA / Regulation X ) Failure to properly address servicing errors FTC Act 5 Unfair and deceptive reporting practices At this stage, continued reporting of these late payment codes without documentary proof constitutes willful noncompliance.

I am not requesting another automated reinvestigation. I am requesting correction or deletion based on lawfully verified evidence.

Account in Dispute Rocket Mortgage Real Estate Mortgage Account Number : XXXX Issue : Inaccurate 90-day late payment reporting Current Status Reported : Open / Current / {$0.00} Past Due

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