Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX Date : XX/XX/2025 Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal FCRA Complaint & Demand for Correction SCCU Auto Loan Credit Reporting Errors To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX ( XXXX  ) for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ), and to notify the Consumer Financial Protection Bureau ( CFPB ) of this misconduct. 

Over the last XXXX to XXXX months, XXXX has repeatedly submitted inaccurate and inconsistent information regarding my auto loan to the XXXX major credit reporting agencies : Equifax, TransUnion, and Experian. These reporting errors have significantly damaged my credit history, rating, and scores. 

The most recent and egregious example involves the XX/XX/2025 car payment. That payment was initially reported correctly as paid on time, then erroneously changed to XXXX late, then reverted again to paid on time, and now once again incorrectly listed as XXXX late. This back-and-forth pattern reflects gross negligence and complete disregard for accuracy, and it contradicts the factual record that all payments under this loan have been made fewer than XXXX  days late which, under FCRA, should not be reported as delinquent. 

Multiple disputes have been filed and, each time, the investigation responses from XXXX and the credit bureaus have dishonestly claimed the account is being reported correctly despite evidence to the contrary. This pattern suggests willful misreporting and a failure to conduct reasonable investigations, in direct violation of FCRA requirements under XXXX ( b ). 

If the XX/XX/2025 payment is not corrected and restored to paid on time across all three credit reports within XXXX days of the date of this letter, I will pursue legal action for : Willful and negligent noncompliance under XXXX XXXX. XXXX and XXXX Reputational and financial harm due to inaccurate credit reporting Emotional distress and damages for prolonged and unresolved reporting errors Violations of the CFPBs standards for fair and accurate credit data reporting Please take this as a final demand to correct the reporting of the XX/XX/2025 payment and permanently cease all inaccurate updates regarding my XXXX auto loan. If corrective action is not taken within XXXX calendar days, I will proceed with lawsuits against XXXX, Equifax, TransUnion, Experian, and file additional complaints with the Federal Trade Commission ( FTC ) and the Florida Attorney Generals Office. 

I request a written confirmation from XXXX and the CFPB that this matter is under immediate review, and that all corrective actions have been initiated. 
Sincerely, XXXX XXXX XXXX XXXX # : ENDING 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