Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10326060
Complaint Overview
Complaint ID: 10326060
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Colorado
ZIP Code: XXXXX
Date Received: 2024-10-02T12:00:00-05:00
Date Sent to Company: 2024-10-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to dispute the invalid late payments listed on my credit report and request their removal in accordance with U.S. Codes 15-1681, 15-1666b, and 15-6802. U.S. Code 15-1681 mandates that credit reporting agencies maintain accurate and fair reporting. Any unverifiable or incorrect information must be removed. U.S. Code 15-1666b ( Fair Credit Billing Act ) requires creditors to investigate billing disputes before reporting to credit agencies. My disputed payments should not have been reported. U.S. Code 15-6802 protects consumers ' financial privacy, ensuring that personal information is not shared inaccurately. The reported late payments are invalid and negatively affecting my credit. The FCRA allows me 30 days to rectify payments, and I request the account be updated to reflect " PAANL Paid As Agreed, Never Late. '' Please take immediate action to remove these inaccuracies and update my account. I can be reached at the contact information provided for further discussion. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #10326060 about?
Complaint #10326060 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-10-02T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.