Consumer complaint received 2025-10-31 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX. 

Dear XXXX XXXX Department, I am submitting this second dispute response through the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate and incomplete information that XXXX XXXX XXXX continues to furnish to the XXXX major credit reporting agencies XXXX XXXX XXXX  and TransUnion ). 

While I appreciate your previous reply, your investigation has not resolved the inaccuracies I identified. After reviewing my current credit reports, I have confirmed that XXXX is still reporting incorrect and potentially misleading information regarding my account. Specifically : 1. The account information being furnished is inconsistent across all three bureaus. Each credit bureau reflects a slightly different account number, payment history, or status. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), XXXX is required to ensure the maximum possible accuracy of all data furnished. 
2. Late payment notations remain that are not reflective of my actual payment history. I have paid all balances in full and the account has been closed since XX/XX/XXXX, as your own records confirm. Continuing to report late or derogatory payments after closure misrepresents my creditworthiness. 
3. The reporting fails to indicate that the account has a {$0.00} balance and is closed in good standing. This omission causes continued harm to my credit profile and violates the FCRAs accuracy provisions. 

As a consumer, I have the right to have inaccurate, incomplete, or unverifiable information corrected or deleted from my credit reports. Therefore, I am requesting that XXXX : - XXXX a reasonable reinvestigation of the account information you are furnishing to all three credit bureaus ; - Provide written verification of each item you continue to report, including account numbers, payment histories, and furnish dates ; and - Correct or remove any data that can not be fully substantiated within 30 days as required under the FCRA. 

If XXXX continues to report unverifiable or inconsistent information, I will pursue additional remedies under the FCRA, including submitting a formal complaint to the Indiana Attorney Generals Office and seeking appropriate relief for continued harm to my credit reputation. 

I expect a detailed response and documentation verifying the accuracy of your data furnished to Equifax, Experian, and TransUnion within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Last XXXX of XXXX : XXXX Email : XXXX Phone : 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