Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
I am filing this complaint because all three major credit bureausTransUnion, XXXX, and XXXXcontinue to report late payment notations on XXXX accounts that are in fact fully paid and have XXXX past-due balances : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ). These inaccurate late payment designations are damaging and misleading, and they fail to comply with the accuracy standards set forth in the Fair Credit Reporting Act ( FCRA ). 

The account with XXXX shows a delinquency dated XX/XX/XXXX. However, this account has long since been paid and carries a XXXX-dollar balance and no outstanding past due amount. The same issue appears on the XXXX XXXX account with a reported late date of XX/XX/XXXX, and the XXXX XXXX XXXX account dated XX/XX/XXXX. These accounts are closed or paid in full with no present obligations or overdue amounts. Despite this, the credit reports continue to show damaging derogatory information, which contradicts the actual payment history and account resolution. 

According to 15 U.S.C. 1681e ( b ), each bureau is legally obligated to maintain reasonable procedures to assure the maximum possible accuracy of the information they report. Reporting an account as late when it is neither delinquent nor carrying a balance fails this standard outright. These errors suggest either incomplete data verification from the original furnishers or a failure to update the account 's status once it was settled. Either way, this is a violation of federal law.

Furthermore, I have already submitted prior disputes directly to the bureaus under 15 U.S.C. 1681i, which requires them to conduct a reasonable reinvestigation within 30 days. The responses I received were generic and dismissive, lacking any transparency or proof that the furnishers provided real documentation to support the continued reporting of these late payments. Without actual validation from the original creditorincluding payment history, account status at the time of closure, and settlement termsthis reporting can not legally remain on my file. 

I am extremely frustrated by the ongoing presence of these false late payments, especially given how much they are affecting my creditworthiness. These inaccuracies have caused denials for better-rate credit cards, difficulty qualifying for rental housing, and the rejection of a car refinance applicationall because my credit profile falsely portrays me as an unreliable borrower. The stress, time, and emotional toll of constantly trying to correct what should be straightforward information has been exhausting. Ive done my part to settle these accounts responsibly, yet I continue to suffer the consequences of errors outside my control.

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