Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my credit file. After carefully reviewing my report, I discovered multiple late payment notations that are inconsistent with my actual payment history and therefore must be corrected. These inaccuracies are both harmful to my credit profile and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$710.00} Date Opened:XXXX Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX Late 30 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4200.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4900.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6700.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 90 days XX/XX/XXXX, late 120 days XXXX, XX/XX/XXXX, Late 150 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} Date Opened:XXXX Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXXXXXX 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