Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Identified Irregularities Upon careful review of my credit report, I have identified multiple inconsistencies and errors regarding the above account : Inconsistent Dates : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX as the opening date, while TransUnion reports XX/XX/XXXX. 

Closing date reported as XX/XX/XXXX, despite the account showing prior payment history discrepancies. 

Balance and High Balance Errors : Reported balance of {$2000.00} exceeds the listed credit limit of {$2000.00} ( XXXX  ), which is not possible. XXXX  and XXXX  show a high balance of {$2300.00}, inconsistent with the reported limit. 

Late Payment Reporting Errors : XXXX  shows 30-day late in XX/XX/XXXX. 

XXXX reports 30-day late in XX/XX/XXXX and 60-day late in XX/XX/XXXX. 

TransUnion shows 30-day late in XX/XX/XXXX. 

These inconsistencies prove that the late payments are not verifiable or accurate. 

Conflicting Account Statuses XXXX XXXX XXXX  Closed by credit grantor. 

XXXX  : Closed due to inactivity. 

TransUnion : Canceled by credit grantor. 

Three different explanations for closure of the same account can not all be correct.

Last Activity / Last Reported Date Conflicts XXXX XXXX  lists last activity XX/XX/XXXX but last reported XX/XX/XXXX. 

XXXX XXXXists last activity XX/XX/XXXX but last reported XX/XX/XXXX. 

TransUnion lists last activity XX/XX/XXXX but last reported XX/XX/XXXX. 

These conflicts violate the requirement for consistent and accurate reporting. 

1. FCRA Violations ( Fair Credit Reporting Act 15 USC 1681 ) 602 ( A ) : Right to accurate and fair reporting.

604 ( A ) ( 3 ) : Prohibition of access without a permissible purpose.

605 ( B ) : Prohibition of obsolete information reporting.

607 ( B ) : Duty of credit bureaus to maintain reasonable procedures for maximum possible accuracy. 

611 ( A ) ( 1 ) ( A ) : Duty to investigate and correct disputed information within 30 days.

623 ( A ) ( 1 ) ( A ) : Furnishers can not report information known to be inaccurate.

623 ( A ) ( 2 ) : Duty to correct and update incomplete or inaccurate information.

623 ( A ) ( 3 ) : Prohibition of reporting accounts already paid or canceled as delinquent.

623 ( B ) ( 1 ) : Furnishers must investigate disputes received through the credit bureaus.

2. FDCPA Violations ( Fair Debt Collection Practices Act 15 USC 1692 ) 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of a debt.

1692e ( 8 ) : Communicating credit information known to be false or unverifiable. 

1692f : Use of unfair practices by continuing to report disputed and inaccurate information.

3. TILA Violations ( Truth in Lending Act 15 USC 1601 ) 1637 ( b ) : Failure to properly disclose terms in open-end credit accounts ( balances, interest, limits ).

1638 ( a ) : Incomplete or inaccurate disclosures in consumer credit agreements.

4. GLBA Violations ( Gramm-Leach-Bliley Act 15 USC 68016809 ) Failure to safeguard consumer financial information.

Possible negligence in protecting data during transmission or storage ( especially relevant in the context of recent credit bureau data breaches ).

5. ECOA Violations ( Equal Credit Opportunity Act 15 USC 1691 ) 202.6 ( B ) ( 6 ) : Improper use of adverse information without legal grounds.

Denial or restriction of credit access caused by inaccurate reporting, directly impacting equal financial opportunity.

6. Consumer Rights Violations Right to financial privacy ( protected under the 14th Amendment and GLBA ).

Right to be free from defamation caused by false or inaccurate credit information.

Right to immediate correction under CFPB, FTC, and State Consumer Protection Laws.

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