Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit report and identified multiple billing errors as defined under 15 U.S. Code 1666 ( b ) : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement. 

Because the creditor did not provide a billing statement at least XXXX  days before assessing a late payment, there should be no late payments on these accounts. I request hard, verifiable proof from the creditors records demonstrating that I failed to pay and was correctly reported as late. These issues clearly constitute billing errors. 

Accounts in Dispute XXXX XXXX XXXX  XXXXXXXX XXXX XXXX I dispute the inaccurate late payment reporting on this account. XXXX  reports a late payment in XX/XX/year>, XXXX  lists XX/XX/year>, and Equifax shows XX/XX/year>. Despite these derogatory entries, the account is also reported as Current and Pays as Agreed. 
These contradictions make the data unreliable, unverifiable, and not in compliance with XXXX XXXX standards. Your failure to maintain consistent, accurate reporting after prior disputes constitutes willful non-compliance with the Fair Credit Reporting Act, including 15 U.S.C. 1681i and 1681s-2 ( b ). Because this false derogatory information damages my creditworthiness, I demand permanent deletion of all late payment remarks and an update to report this account as Pays as Agreed. 

XXXX XXXX XXXXXXXX XXXX XXXX  I dispute the inaccurate late payment being reported on my XXXX XXXX account. TransUnion lists a XXXX late in XX/XX/year>, while Experian and Equifax  show the same period as Current and paid on time. 
This contradiction proves the data is unreliable, unverifiable, and not in XXXX XXXX compliance. Your refusal to maintain consistent and accurate reporting after prior disputes shows willful non-compliance with the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Because this false derogatory data damages my creditworthiness, I demand permanent deletion of the late payment remark and an update reflecting Pays as Agreed / Current. 

Required Action As a consumer, I am entitled by law to accurate and verifiable information in my credit file. The accounts listed above must be updated to reflect Pays as Agreed or, if you can not verify the information, deleted from my credit report. 

If these accounts are not corrected or deleted immediately, I will seek monetary compensation for violations of my rights in small claims court under 15 U.S.C. 1681n ( civil liability ). This matter has also been submitted to the Consumer Financial Protection Bureau, the State Attorney Generals Office, the Better Business Bureau, and the Federal Trade Commission. 

I expect written confirmation of the corrections or deletions within the time required by law.

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