Consumer complaint received 2025-05-15 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:
Subject : Formal Complaint Against TransUnion for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for its ongoing and unlawful practice of including " late payments '' on my credit report. This practice constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). 

TransUnion is producing a " consumer report, '' as defined under 15 U.S. Code 1681a ( d ). This section defines a " consumer report '' as " any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. '' The information TransUnion is unlawfully including in my consumer report are " late payments. '' These " late payments '' are, by their very nature, records of transactions and experiences between a consumer ( myself ) and the person making the report ( the creditor ).

The FCRA explicitly states, under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), that a consumer report " does not include ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The inclusion of " late payments '' on my credit report directly contradicts this clear statutory exclusion. A " late payment '' is an explicit record of a transaction the agreement to pay by a certain date and the experience of that payment being made after the agreed-upon time. This is precisely the type of information that the FCRA mandates must be excluded from a consumer report.

To reiterate and confirm with absolute clarity, the specific provision of the FCRA that TransUnion is illegally violating by producing a credit report containing " late payments '' is : 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) This law unambiguously states that a credit report does not include information about transactions or experiences between the consumer and the entity furnishing the information. By reporting " late payments, '' TransUnion is directly including information about a transaction between me, the consumer, and my creditors, which is a direct violation of this statute.

I demand that the CFPB investigate TransUnion 's unlawful reporting practices and take immediate action to ensure their compliance with the FCRA. The inclusion of this legally excluded information is causing harm to my creditworthiness and is a clear violation of my rights under the FCRA. 

I have attached [ mention any supporting documentation you might include, such as a copy of your credit report with the disputed information highlighted ]. 

Thank you for your prompt attention to this serious 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