Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
Escalation of Unresolved Dispute TransUnion Failure to Respond Within FCRA Timeline XXXX  Account XXXX XXXXXXXX CFPB Complaint XXXX XXXXXXXX Dear Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX to formally escalate my complaint against TransUnion LLC regarding their XXXX XXXX investigate and respond to my dispute within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute through the CFPB XXXX under Complaint ID XXXX XXXXXXXX challenging an inaccurate XXXX late payment reported for XX/XX/XXXX by XXXX Account XXXX XXXXXXXX. In my original complaint, I provided documentation demonstrating : The payment in question was made on time. 
Conflicting account open dates across credit bureaus, calling into question the accuracy and verifiability of the delinquency. 

Under the FCRA ( XXXX XXXX. XXXX ), TransUnion is required to complete a reasonable investigation and report the results to me within XXXX  days. 

As of todays date, more than XXXX  days have passed, and I have received no written response, no investigation results, and no evidence supporting their continued reporting of this negative item. 

This lack of response is a clear violation of FCRA requirements for timely and reasonable dispute handling. 

I am therefore requesting the CFPBs assistance in ensuring that : XXXX. The disputed XXXX late payment is removed immediately from my credit file due to XXXX noncompliance with FCRA timelines XXXX 
XXXX. I receive written confirmation of deletion and an updated credit report reflecting the correction. 
XXXX. TransUnion provides an explanation and justification for their failure to respond in a timely manner. 

Supporting documents attached : Original dispute letter submitted XX/XX/XXXX Proof of CFPB submission Credit reports showing conflicting account open dates Account statements demonstrating timely payments Given that I have provided supporting evidence that the account was paid on time, and in light of TransUnions failure to respond within the legally mandated timeframe, I am formally demanding the following resolution : XXXX. The XX/XX/XXXX late payment be corrected to XXXX XXXX XXXX to accurately reflect the payment history. 
XXXX. A written confirmation that this correction has been made and an updated copy of my credit report showing the accurate status. 
XXXX. If you are unwilling or unable to correct this information, please provide : A detailed description of your investigation procedures, The name and contact information of the data furnisher relied upon, and All documentation you have on file supporting the late payment reporting. 

Thank you for your assistance and prompt attention to this matter. 

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