Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Date : [ Tuesday XX/XX/XXXX ] * * To Whom It XXXX Concern : * * * * Equifax XXXX XXXX XXXX * * P.O. Box XXXX, XXXX, GA XXXX * * TransUnion Consumer Solutions * * XXXX XXXX  XXXX, XXXX, PA XXXX * * Experian * * XXXX XXXX  XXXX, XXXX, TX XXXX * * Re : * * Urgent Demand to Correct Fraudulent Late Payments FCRA XXXX * * SSN : * * XXXX | * * XXXX : * * XX/XX/XXXX -- - Under the * * Fair Credit Reporting Act ( XXXX U.S.C XXXX XXXX ) * *, I dispute the following * * material inaccuracies * * on my credit reports and demand * * immediate deletion or correction * * : # # # * * Errors Identified * * XXXX. * * Equifax Report ( XX/XX/XXXX ) : * * - * * XXXX XXXX XXXX  * * ( Closed XX/XX/XXXX ) : Falsely reports * * XXXX late payments * * and labels the account as * * currently late * * despite closure. 
- * * Payment History * * : Inaccurately states * * 90 % * * ( labeled Needs Work ) instead of * * 100 % on-time payments * *. 

XXXX. * * TransUnion Report ( XX/XX/XXXX ) : * * - * * XXXX XXXX XXXX * * : Fraudulently lists * * XXXX late payments * *, reducing my payment history to * * 77 % * * ( Needs Work ). 
- * * Account XXXX * * : Closed on XX/XX/XXXX, but misreported as delinquent. 

* * These late payments are entirely fabricated. I have always paid this account on time. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Demands * * Under * * 15 U.S.C. 1681e ( b ) * *, * * 1681i * *, and * * Metro 2 Compliance standards * * : 1. * * Immediate Deletion * * of all late payments ( 14 on Equifax, 53 on TransUnion ).

2. * * Update Payment History * * to * * 100 % on-time, paid as agreed * * for XXXX XXXX XXXX 
XXXX. * * Correct Account Status * * to Closed by Consumer and remove currently late notations.

4. * * Reconcile Discrepancies * * between Equifax ( 14 lates ) and TransUnion ( 53 lates ), as both can not be true.

* * Failure to comply within 30 days * * will result in : - Formal complaints to the * * CFPB * * ( ConsumerFinancial.gov ) and * * Texas Attorney General * * for FCRA violations. 
- Legal action for damages under * * 15 U.S.C. 1681n * * ( willful noncompliance ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Supporting Evidence * * Enclosed are : XXXX. * * Equifax Report * * ( XX/XX/XXXX ) showing XXXX false lates. 
2. * * TransUnion Report * * ( XX/XX/XXXX ) showing XXXX false lates. 
3. * * Proof of Closure * * ( XX/XX/XXXX ). 
4. * * Bank Statements * * or payment confirmations proving on-time payments ( if available ). 

* * Note * * : If you can not verify these alleged late payments, you must delete them per * * FCRA 1681i ( a ) ( 1 ) ( A ) * *. 

-- - * * Enclosures : * * - [ List documents included, e.g., Equifax Report, Proof of Closure ] * * CC : * * Consumer Financial Protection Bureau | Texas Attorney General * * 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