Consumer complaint received 2025-04-07 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: MA

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX Reported Issue : Payment History shows a 30-day late payment in XX/XX/XXXX Dispute Reason : This late payment appears to be an error and does not align with my payment history. 
Metro 2 Code : Suggest updating the Payment Rating to XXXX ( Current, no late payment ) for XX/XX/XXXX instead of XXXX ( 30 days past due ). 
e-OSCAR Code : XXXX Inaccurate Payment History. 

XXXX XXXX XXXX Account Number : XXXX Reported Issue : Payment History shows a 30-day late payment in XX/XX/XXXX Dispute Reason : This late payment appears to be an error and does not align with my payment history. 
Metro 2 Code : Suggest updating the Payment Rating to XXXX ( Current, no late payment ) for XX/XX/XXXX instead of XXXX ( 30 days past due ). 
e-OSCAR XXXX : XXXX Inaccurate Payment History. 

XXXX XXXX  Account Number : XXXX Reported Issue : Payment History shows a 30-day late payment in XX/XX/XXXX Dispute Reason : This late payment appears to be an error and does not align with my payment history. 
Metro 2 Code : Suggest updating the Payment Rating to XXXX ( Current, no late payment ) for XX/XX/XXXX instead of XXXX ( 30 days past due ). 
e-OSCAR Code : XXXX Inaccurate Payment History. 

XXXX XXXX Account Number : XXXX Reported Issue : Payment History shows a 30-day late payment in XX/XX/XXXX Dispute Reason : This late payment appears to be an error and does not align with my payment history. 
Metro 2 Code : Suggest updating the Payment Rating to 0 ( Current, no late payment ) for XX/XX/XXXX instead of 1 ( 30 days past due ). 
e-OSCAR Code : XXXX Inaccurate Payment History. 

XXXX XXXX  Account Number : XXXX Reported Issue : Payment History shows a XXXX late payment in XX/XX/XXXX Dispute Reason : Please verify the accuracy of this entry. 
Metro 2 Code : Suggest updating the Payment Rating to XXXX ( Current, no late payment ) for XX/XX/XXXX instead of XXXX ( 30 days past due ). 
e-OSCAR Code : XXXX Inaccurate Payment History. 

XXXX XXXX XXXX Account Number : XXXX Reported Issue : Payment History shows a XXXX late payment in XX/XX/XXXX Dispute Reason : Please verify the accuracy of this entry. 
Metro 2 Code : Suggest updating the Payment Rating to XXXX ( Current, no late payment ) for XX/XX/XXXX instead of XXXX ( 30 days past due ). 
e-OSCAR Code : XXXX Inaccurate Payment History. 

XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and XXXX Reported Issue : Collection account reported on XX/XX/XXXX, with an original amount owed of {$520.00} and status UNPAID. Two nearly identical entries appear with dates assigned as XX/XX/XXXX, and XX/XX/XXXX. 
Dispute Reason : These entries appear duplicative, potentially inflating the negative impact on my credit. Additionally, I dispute the validity of this debt as I have no recollection of receiving proper notice under the Fair Debt Collection Practices Act ( FDCPA ). Please verify the accuracy and legitimacy of these entries and remove any duplicates.

Metro 2 Code : Suggest updating the Account Status to DA ( Delete Account ) if unverifiable or duplicative.

e-OSCAR Code : XXXX Duplicate Account e-OSCAR Code : XXXX Not Mine/Incorrectly Reported.

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