Consumer complaint received 2025-08-11 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: CT

Complaint narrative:
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX 

Account Type : Second Mortgage Loan Date Opened : XX/XX/XXXXXXXX  Current Correct Balance : {$8700.00} Credit Bureau : TransUnion ( similar reporting may exist with XXXX  and XXXX  ) Summary of Complaint : This is a formal complaint regarding XXXX XXXX XXXX XXXXXXXX inaccurate reporting of my account to TransUnion , which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2 ( a ) and 1681i. 

The reported data contains materially false information that is causing significant harm to my creditworthiness and has already impacted my ability to obtain approval for a Home Equity Line of Credit ( HELOC ).

Nature of the Inaccuracy : 1. False Delinquency Codes : My TransUnion report shows my account as Current Account in the pay status field but simultaneously lists 120 late codes for multiple months from XX/XX/XXXX through XX/XX/XXXX. 

This is contradictory : an account can not be reported as both current and 120 days late for the same period. 

The 120 code is materially misleading and creates a false impression of ongoing severe delinquency.

2. Incorrect Past Due Amounts : The report shows inflated and inaccurate past due amounts for months in XXXX despite proof of payments. 

XX/XX/XXXX : {$680.00} payment made. 

XX/XX/XXXX : {$680.00} payment made ; account brought fully current with a {$0.00} past due balance. 

3. Incorrect Balance Reporting : The balance reported is inconsistent with actual records. The correct current balance as of the latest statement is {$8700.00}, not the amounts shown in the credit file. 

Violation of FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information must not report information they know or reasonably should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Upon receiving a dispute, furnishers must conduct a reasonable investigation and correct or delete any inaccurate or incomplete information.

15 U.S.C. 1681i ( a ) : Credit bureaus must reinvestigate disputed information and delete or modify any item of information found to be inaccurate or unverifiable. 

The continued reporting of this inaccurate data after prior disputes demonstrates a failure to conduct a reasonable investigation and a breach of these statutory obligations. 

Impact of the Inaccuracy : This false delinquency reporting has directly caused adverse action, including the denial of a HELOC application. The presence of false 120-day late codes severely damages my credit score and inaccurately portrays my creditworthiness to potential lenders.

Attachments : Screenshots of TransUnion report showing inaccurate ratings. 

Payment history reflecting current account status and timely payments. 

Current account summary verifying Current Account pay status.

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