Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
RE : FINAL DEMAND FALSE LATE PAYMENT, ILLEGAL REPORTING, XXXX  BLOCK REQUEST, FCRA VIOLATIONS, DATA BREACH NEGLIGENCE, AND COMPENSATION FOR EMOTIONAL DISTRESS To Whom It May Concern : This letter is a formal final demand for immediate action under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Fair and Accurate Credit Transactions Act ( FACTA ), and state consumer protection laws. 
You are reporting a false late payment on my XXXX XXXX XXXX XXXX account ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is inaccurate, unsupported, and in violation of federal law. I have never missed a payment, and yet your continued failure to correct this has caused years of emotional, financial, and psychological damage to me and my family. 
1. XXXX  BLOCK REQUEST UNDER 15 U.S.C. 1681c-2 Because this late payment is inaccurate, unverifiable, and disputed since 2022, I now formally demand a XXXX BLOCK under 15 U.S.C. 1681c-2 which mandates that any information resulting from fraud, identity theft, or unverifiable activity must be blocked from reporting within four business days of receipt of proper documentation. I meet all legal criteria for this request. 
I have never been late on this account. Reporting a late payment where no actual delinquency occurred constitutes a material misrepresentation of my credit history. Moreover, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report specifically excludes any report containing only transaction or experience data between the consumer and the creditor. A payment history is a transaction and if Congress excluded transaction-only data from the definition of a consumer report, then a late payment without third-party intervention ( e.g., collections, charge-off ) is not legally reportable in a manner that negatively impacts my consumer file.

Late payments are a FICO scoring factor, not a lawful basis for derogatory consumer reporting. If there was no third-party intervention or legal status change, the negative report is outside the legal boundaries of the FCRA.

This account has already been in dispute multiple times since 2022, and TRANSUNION has failed to provide any proper validation, investigation documentation, or legal basis to justify this derogatory item. The repeated furnishing of false data now rises to the level of willful and negligent noncompliance, and opens TRANSUNION up to full statutory and actual damages.

2. FALSE REPORTING & FCRA EXCLUSION ILLEGAL LATE PAYMENT Per 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), any report containing only information about transactions or experiences between a consumer and a creditor is excluded from the definition of a consumer report, unless third-party action is involved. 
Payment history is a transaction, not a derogatory public item. If you can not provide concrete evidence of a legally reportable delinquency, you are violating 15 U.S.C.

1681e ( b ) by reporting derogatory information without maximum possible accuracy.

Youve been put on notice for years, and have done nothing but continue to publish defamatory data.

3. TILA VIOLATIONS 1637 ( b ) & 1666b Further, XXXX XXXX and TRANSUNIONs handling of this alleged late payment violates provisions of the Truth in Lending Act, including : 15 U.S.C. 1637 ( b ) which mandates that periodic statements clearly disclose finance charges, payment due dates, and account activity. If a billing error occurred or a payment was misapplied, the law requires it be corrected promptly and not reported as late.

15 U.S.C. 1666b which requires a minimum grace period before a late payment can legally result in fees or penalties. If the payment in question was made on time but posted late or misapplied, it can not be reported as delinquent.

15 U.S.C. 1666b ( Timing of Payments ) specifically requires that credit card issuers send statements at least 21 days before the payment due date before they can lawfully consider a payment late, charge a fee, or report it negatively. 
By failing to verify that XXXX XXXX followed these federal laws before reporting a late payment, TRANSUNION becomes complicit in the violation. 
4. Inconsistent and Conflicting Account Numbers ( Account # XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX XXXX account in question is being reported as account # XXXX by XXXX, while other bureaus report it correctly as # XXXXXXXX XXXX XXXX XXXX XXXX. This is another failure under FCRA 1681e ( b ). Multiple account numbers for the same trade line suggest fraud, damage my credibility, and violate your duty to maintain consistency.

TRANSUNION is reporting a late payment on my XXXX XXXX XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which is false, inaccurate, and illegal. 
This discrepancy in account identifiers is a violation of FCRA 1681e ( b ) which requires that consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy. Multiple account numbers for the same trade line creates confusion, suggests fraud, and inaccurately portrays my credit profile to lenders.

5. INACCURATE ADDRESSES & EMPLOYERS PERMANENT DELETION REQUIRED You are still reporting false addresses I have never resided at, including : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should appear on my report is : XXXX XXXX de XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX All other addresses are erroneous and defamatory, and their continued reporting violates the maximum possible accuracy requirement of FCRA 1681e ( b ).

And inaccurate employers including XXXX  and XXXX both of which are completely false. These inaccuracies must be removed immediately under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

6. DATA BREACH NEGLIGENCE TRANSUNIONS FAILURE TO PROTECT ME I am also a victim of the TRANSUNION data breach, which compromised the personal information of millions. Despite this, TRANSUNION has failed to provide me with any sufficient support, monitoring, or redress. You failed to secure my data, then you allowed inaccurate information to be published in my name for years, damaging my credit reputation, mental health, and ability to secure housing and credit.

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