Consumer complaint received 2025-07-20 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: MA

Complaint narrative:
I am writing to dispute several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681e ( b ), all information must be as accurate as possible, and the following accounts do not meet that standard and must be removed without delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows an erroneous late payment history that contradicts the records from other credit bureaus. It lists conflicting open dates of XX/XX/XXXX and XX/XX/XXXX. The dates last active are confused between XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and the dates of last payment are also inconsistent, listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, there are unexplained discrepancies in the high credit, showing amounts of {$3700.00} and {$0.00} across various bureaus. This must be addressed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has inaccuracies with a late payment history that does not align with reports from other credit bureaus. XXXX dates conflict between XX/XX/XXXX and XX/XX/XXXX, and the date last active is also inconsistent at XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The last payment dates are recorded as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with confusing reporting dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The high credit shows conflicting amounts of {$2400.00} and {$0.00}, which must be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported only on TransUnion and is missing from both XXXX XXXX XXXX, leading to inconsistencies that MUST be rectified and removed from my credit report promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are glaring inconsistencies with conflicting open dates of XX/XX/XXXX and XX/XX/XXXX, along with balance discrepancies of {$520.00} and {$420.00}. The date last active is reported as XX/XX/XXXX and XX/XX/XXXX, with last payments noted as XX/XX/XXXX and XX/XX/XXXX. This account 's status is unacceptable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once again, there are inconsistent reports across the bureaus, with open dates showing as XX/XX/XXXX and XX/XX/XXXX, and multiple last active and payment dates of XX/XX/XXXX and XX/XX/XXXX. This needs to be rectified without further delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similar to other accounts, this one is reported only on TransUnion, absent from XXXX XXXX XXXX. This discrepancy is not acceptable and demands immediate removal from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account suffers from discrepancies, including conflicting open dates of XX/XX/XXXX and XX/XX/XXXX, last active dates of XX/XX/XXXX and XX/XX/XXXX, and varying last payment dates. The account status is marked as closed and should be removed forthwith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Another account with serious inconsistencies; conflicting open dates of XX/XX/XXXX and XX/XX/XXXX, active dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The status is marked as closed, and this must also be removed immediately. 

I expect a full investigation into these inaccuracies and demand that these items be deleted from my credit report without delay. inconsistencies ; conflicting open dates of XX/XX/XXXX and XX/XX/XXXX, active dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The status is marked as closed, and this must also be removed immediately. 

These inaccuracies are causing issues with my ability to buy a home for my family, and I request that these items be deleted from my credit report without delay.

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