Consumer complaint received 2025-09-18 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: IA

Complaint narrative:
Im writing regarding a 90-day late payment reported in XX/XX/XXXX across multiple XXXX  loan accounts. I am formally requesting a review of this reporting, as I believe there may be misinformation and errors associated with my account that warrant correction. 

When I contacted XXXX through the Consumer Financial Protection Bureau ( CFPB ), I was informed that notifications had been sent to an outdated email address : XXXX. That email account was deactivated by XXXX  XXXX XXXX  in XXXX and has not been accessible to me for years. Additionally, I was told communications were sent to the phone number XXXX, which I can confirm has never been my number. I am unsure how this number was ever added to my account, which raises concerns about the accuracy and handling of my personal information. I believed my contact information had been updated and correct in your system, and I would never have knowingly left outdated or incorrect details tied to such an important account. 

Whats even more concerning is what I have discovered while reviewing my credit reports. I have attached files pulled directly from AnnualCreditReport.com which show that, prior to XX/XX/XXXX, the accounts in question were reported as current with green checkmarks. However, following my dispute of the 90-day late entry, those same months are now displaying as No Data ( ND ) across all three credit bureaus : XXXX, TransUnion, and XXXX. This sudden change is inaccurate and deeply concerning. 

Additionally, please note that for one of my loans, XX/XX/XXXX is still being reported as on-time ( green ), while other related accounts for that same time period are now showing " No Data ''. This inconsistency across accounts within the same reporting period further demonstrates that there is inaccurate and conflicting information on file. 

Furthermore, please be aware that my full legal name is not accurately reflected on these accounts, and the email address referenced would have clearly shown as inactive if properly verified at the time of contact. These issues raise valid concerns under the Fair Credit Reporting Act ( FCRA ) regarding the completeness and accuracy of credit reporting. 

To support my concerns, I have included screenshots of my credit reports, along with the dates they were pulled, to demonstrate these discrepancies. Based on this evidence and the reporting errors outlined above, I am respectfully requesting that the 90-day late payments reported in XX/XX/XXXX be deleted from my credit report. 

This situation has had a significant negative impact on my credit profile and future financial plans. I am asking for your help in resolving this matter promptly and fairly.

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