Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding continued inaccuracies in the reporting of late payments and account histories across my Experian, Equifax, and TransUnion credit files. The errors are inconsistent between the three bureaus and directly violate my rights under the Fair Credit Reporting Act ( FCRA ). FCRA 15 U.S. Code 1666 provides consumers with the right to correction of billing errors. FCRA 611 ( 15 U.S.C. 1681i ) requires consumer reporting agencies to investigate and correct inaccurate, incomplete, or unverifiable information. FCRA 623 ( a ) ( 2 ) further imposes a duty on furnishers to promptly correct and update any information that is determined to be inaccurate or incomplete. Additionally, the CARES Act explicitly prohibits certain accounts from being misrepresented as delinquent during the protected period. Despite these protections, the credit bureaus and furnishers have failed to ensure accurate, consistent, and verifiable reporting, which has caused significant harm to my credit profile. I am requesting immediate investigation, correction, and enforcement action to bring these reports into compliance with federal law. 

With Experian, the following inaccuracies appear : XXXX XXXXXXXX ( account ending XXXX, balance {$0.00} ) is not showing any payment history at all. XXXX XXXX ( account ending XXXX, balance {$0.00} ) is incorrectly reporting late payments for XX/XX/XXXX ( 30 days ) and XX/XX/XXXX ( 60 days ). In addition, XXXX XXXX XXXX ( account ending XXXX, balance {$0.00} ) is a closed account but is not showing any payment history. With Equifax, the errors include : XXXX XXXX XXXX ( account ending XXXX, balance {$1300.00} ) is not showing in payment history, and also shows a 30-day late in XX/XX/XXXX. XXXX XXXXXXXX ( account ending XXXX, balance {$0.00} ) is reporting a XXXX late in XX/XX/XXXX. XXXX ( account ending XXXX, balance {$9700.00} ) is reporting multiple lates for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX ( account ending XXXX, balance {$0.00} ) is duplicating the same late entries from Experian ( June 2023 30 days, July 2023 60 days ). Finally, XXXX XXXX  ( account ending XXXX, balance {$0.00} ) and XXXX XXXX XXXX ( account ending XXXX, balance {$0.00} ) are not showing any payment history despite being listed as open or closed accounts. With TransUnion, additional inaccurate entries appear : XXXX XXXX XXXX ( account ending XXXX, balance {$1300.00} ) is reporting a 30-XXXX late in XX/XX/XXXX. XXXX XXXXXXXX ( account ending XXXX, balance {$0.00} ) is reporting a 30-day late in XX/XX/XXXX. XXXX ( account ending XXXX, balance {$9700.00} ) is showing late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX ( account ending XXXX, balance {$0.00} ) is again showing late postings in XX/XX/XXXX ( 30 days ) and XX/XX/XXXX ( 60 days ). In addition, Ally Financial ( account ending XXXX, balance {$0.00} ), a closed account, is showing repeated lates in XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). XXXX XXXX XXXX ( account ending XXXX, balance {$0.00} ) is also a closed account but is showing a 30-day late in XX/XX/XXXX. These late postings are inconsistent from bureau to bureau, in some cases duplicative, and in other cases missing full payment history. This violates FCRA 611s requirement for accuracy, 623 ( a ) ( 2 ) s duty of furnishers to correct, and 1666s protections against billing errors.

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 explanation