Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
Consumer Financial Protection Bureau Complaint XX/XX/XXXX Complainant : XXXX XXXX XXXX Lower XXXX XXXX, XXXX XXXX, GA XXXX Email : XXXX | Phone : XXXX XXXX : XX/XX/XXXX | SSN ( Last XXXX ) : XXXX Respondents : 1 ) TransUnion, LLC ( Consumer Reporting Agency ) 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  partially masked ). TransUnion screenshots attached as exhibits. 
Background & Summary : My TransUnion credit file shows contradictory and misleading reporting on this tradeline. Despite showing the account as paid and closed, TransUnion also displays a XXXX late mark after the payoff and closure. I dispute these inaccuracies and request a humanverified reinvestigation and full method of verification. 
Key Facts from TransUnion screenshots : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( masked ) Date Opened : XX/XX/XXXX Credit Limit : {$300.00} | High Balance : {$310.00} Pay Status : Paid, Closed ; was Paid as agreed Date Paid : XX/XX/XXXX | Last Payment Made : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Updated : XX/XX/XXXX Remarks : Closed by XXXX XXXX ; closed Payment History shows XXXX for XX/XX/XXXX Alleged FCRA Violations ( numbered ) : 1. Conflicting status and delinquency : The account is reported as XXXX, XXXX; was Paid as agreed, yet a XXXX late mark appears for XX/XX/XXXX. A paidasagreed account can not also be 90 days late. ( FCRA 623 ( a ) ( 1 ) ( A ) ; 607 ( b ) ).

2. False postpayment delinquency : The record shows Date Paid and Last Payment Made on XX/XX/XXXX, but a XXXX delinquency is reported months later. Once paid, no new delinquencies can be reported. ( FCRA 623 ( a ) ( 1 ) ( A ) ; 623 ( a ) ( 2 ) ).

3. Misleading closure reason : Closed by credit grantor suggests adverse action, which conflicts with Paid as agreed, unfairly harming creditworthiness. ( FCRA 623 ( a ) ( 1 ) ( A ) ; 607 ( b ) ). 
XXXX. Unnecessary postclosure updating : Date Updated ( XX/XX/XXXX ) after Date Closed ( XX/XX/XXXX ) with no new activity can mislead scoring and appears inaccurate. ( FCRA 623 ( a ) ( 1 ) ( A ) ; 623 ( a ) ( 2 ) ).

Requested Relief : 1 ) Require a humanverified reinvestigation and provide the complete Method of Verification ( MOV ) including sources and records used.

2 ) Remove the false XX/XX/XXXX XXXX late mark ; correct misleading closure language ; cease postclosure updating ; or delete the tradeline if it can not be fully substantiated.

3 ) Provide copies of all documents, payment histories, and dispute logs relied upon.

4 ) Confirm in writing all corrections and the date furnished to TransUnion.

Exhibits : Exhibit A TransUnion account information screen ( open/close dates, last payment, update date ).

mark. 
Exhibit B TransUnion status/payment history screen showing Paid as agreed and XXXX late Certification : I certify the facts are true and correct to the best of my knowledge and request CFPB assistance to secure the above relief. 
Sincerely, XXXX XXXX

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