Consumer complaint received 2025-09-10 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:
I am disputing several inaccurate entries appearing on my TransUnion credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are obligated to ensure maximum possible accuracy. The accounts below reflect multiple discrepancies in payment history, open dates, credit limits, and account activity that must be corrected or deleted. 
XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Open Date : XX/XX/XXXX Balance : {$120.00} Disputed Issues : Credit Limit Conflict : TransUnion shows {$300.00}, while Equifax incorrectly shows {$0.00}. 
Payment History Inaccuracy XXXX XXXX reflects XXXX lates during periods where TransUnion and Experian show OK. 
Open Date Inconsistency : XXXX reports XX/XX/XXXX instead of XX/XX/XXXX. 
Action Requested : Correct or remove unverifiable late notations and reconcile the open date and credit limit discrepancies. 
2. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Open Date : XX/XX/XXXX Balance : {$0.00} Disputed Issues : Open Date Conflict : Experian lists XX/XX/XXXX. 
Activity Date Inconsistency : TransUnion reports last activity XX/XX/XXXX, while Experian shows XX/XX/XXXX. 
Payment History : XXXX  shows late notations ( 30 ), while TransUnion reports XXXX. 
XXXX Requested : Correct open date and activity dates ; remove any unverifiable late entries. 
3. XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Open Date : XX/XX/XXXX Balance : {$1900.00} Disputed Issues : High Credit Error : TransUnion XXXX {$2300.00}, while XXXX XXXX {$0.00}. 
Payment History : XXXX shows multiple late payments ( XX/XX/XXXX ), which do not align with TransUnions records. 
Activity Dates : TransUnion shows XX/XX/XXXX, while Experian lists XX/XX/XXXX. 
XXXX Requested : Correct the high credit field, verify proper activity date, and remove all unverifiable derogatory entries. 
4. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Open Date : XX/XX/XXXX Balance : {$620.00} Disputed Issues : Open Date Conflict : XXXX  lists XX/XX/XXXX. 
Last Activity Discrepancy : TransUnion shows XX/XX/XXXX, while Experian lists XX/XX/XXXX. 
Payment History : XXXX  displays XXXX lates, but TransUnion shows XXXX. 
XXXX Requested : Correct open date, update activity dates, and remove late payments that can not be verified. 
XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Open Date : XX/XX/XXXX Balance : {$84000.00} Disputed Issues : Payment Status Conflict : TransUnion shows Late 120 Days, while Experian shows Late 180 Days, and XXXX shows XXXX. 
Payment History : XXXX  reflects late notations not supported across other bureaus. 
Activity Date Mismatch : TransUnion shows XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX Requested : Remove unverifiable late reporting and correct inconsistencies in status and activity dates. 
Conclusion : These discrepancies across the credit bureaus demonstrate that TransUnions current reporting is not fully accurate or verifiable. If TransUnion can not confirm the accuracy of each disputed item with proper documentation from the furnishers, the accounts must be corrected or deleted immediately.

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