Consumer complaint received 2025-10-20 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:
NATURE OF VIOLATION Inconsistent Account Status Among Bureaus The account is simultaneously reported as Positive by Equifax and Negative by Experian and TransUnion, even though all data originates from the same furnisher XXXX Bank XXXX XXXX ). 

Such contradictory status violates FCRA 607 ( b ) CRAs must ensure maximum possible accuracy and must not furnish conflicting data for the same tradeline. 

Falsified Late Payment Reporting Experian and TransUnion XXXX a XXXX late payment in XX/XX/XXXX, while Equifax reports XXXX payments throughout XXXX and XXXX. 

This inconsistency makes it statistically impossible that the account was delinquent. 

The error demonstrates either ( a ) illegal re-aging or ( b ) erroneous data injection, violating FCRA 623 ( a ) ( 1 ) ( A ).

Uniform Reporting Failure After Dispute The account had previously been disputed, yet the furnisher continues to send conflicting data.

Under FCRA 623 ( a ) ( 3 ), furnishers must ensure consistent, corrected data transmission to all CRAs after reinvestigation a requirement clearly unmet here. 

XXXX Update of XXXX XXXX XXXX XXXX was changed to XX/XX/XXXX, despite the account showing continuous OK payments and no new delinquencies since XXXX. 

Artificially extending Last Activity or Last Reported dates constitutes re-aging, a violation of FCRA 623 ( a ) ( 5 ).

Impact on Consumer Creditworthiness These mismatches between CRAs create algorithmic penalties within scoring models ( XXXX, XXXX ). 

The consumer appears as both current and delinquent depending on which CRA a lender pulls a textbook case of unfair credit profiling prohibited under FCRA 602 ( a ).

B. STATUTORY VIOLATIONS Statute Section Violation Summary FCRA 602 ( a ) Purpose clause failure to ensure fair and accurate reporting. 
FCRA 607 ( b ) Inconsistent data across bureaus ; failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate after prior dispute.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

FCRA 623 ( a ) ( 3 ) Failing to report consistent dispute results across all CRAs.

FCRA 623 ( a ) ( 5 ) Re-aging of account by falsifying Last Activity date.

FDCPA 1692e ( 8 ) Failure to accurately communicate dispute or true legal status of debt. 
XXXX PATTERN AND SYSTEMIC NEGLIGENCE This case mirrors the previous XXXX XXXX XXXXXXXX 6636 and demonstrates a broader pattern : Conflicting bureau statuses ( Positive XXXX. Negative ) False delinquency insertion Re-aging by altering reporting dates Negligent furnishing despite dispute These recurring behaviors indicate systemic noncompliance by XXXX XXXX XXXXXXXX and failure of oversight by XXXX XXXX XXXX TransUnion. 

D. DAMAGES AND IMPACT Direct score variance exceeding XXXX points between XXXX. 

Disqualification from fair credit terms and higher APRs due to TransUnion/Experian negative flag. 

Emotional distress and loss of consumer trust. 

Evidence of reckless disregard for FCRA obligations supporting statutory damages under XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief