Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am submitting this complaint after reviewing my credit report and finding several inconsistencies in how some of my accounts are being reported. I take great care in maintaining my credit, and these discrepancies are causing an inaccurate reflection of my financial history. I am therefore requesting that you conduct a full reinvestigation to ensure all information in my file is complete and correct.

My XXXX XXXX account shows a balance of {$19000.00}, with activity dates beginning XX/XX/XXXX, and reports a series of late payments including 30 days late from XXXX to XXXX XXXX, 60 days late in XX/XX/XXXX, and additional 30-day lates in XXXX and XX/XX/XXXX. These reported delinquencies are inaccurate and inconsistent with my payment records and account status.

One of my XXXX XXXX XXXX  accounts reports a XXXX balance with a last activity date of XX/XX/XXXX, and a last payment made on XX/XX/XXXX, but also reflects irregular reporting patterns that do not align with my actual payment history. Another XXXX XXXX XXXX  account also shows a XXXX balance, a last activity date of XX/XX/XXXX, and a 30-day late mark in XX/XX/XXXX, which is incorrect as the account was being managed responsibly during that period. 
Additionally, my XXXX XXXX XXXX  account lists a XXXX balance, date of last activity as XX/XX/XXXX, and opened on XX/XX/XXXX, but incorrectly reports a 30-day late payment despite showing a regular payment status. These inconsistencies suggest errors in data furnishing or processing that require immediate review and correction.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must maintain reasonable procedures to assure maximum possible accuracy of the information they report. When accounts are listed as closed and delinquent in one file but open and current elsewhere, it raises serious concerns about compliance with this accuracy requirement.

Additionally, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] gives me the right to dispute any information I believe to be inaccurate or incomplete and requires you to conduct a reasonable reinvestigation. Any data found to be unverifiable or inconsistent must be corrected within thirty ( 30 ) days of receiving this notice.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] prohibits furnishers from reporting data they know, or have reasonable cause to believe, is inaccurate. It is therefore necessary for you to confirm the accuracy of the information received from the furnishers before continuing to report it. Finally, FCRA 605 ( a ) [ 15 U.S.C. 1681c ( a ) ] prohibits the reporting of obsolete or re-aged derogatory information, such as outdated late payments tied to accounts that have long been settled or closed.

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