Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10589838
Complaint Overview
Complaint ID: 10589838
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New Jersey
ZIP Code: 07002
Date Received: 2024-10-26T12:00:00-05:00
Date Sent to Company: 2024-10-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. Compliance Issues and Inconsistencies : 1.Inconsistent Payment Status : XXXX and TransUnion report this account as Charge-off, while XXXX lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. 2.Conflicting Last Updated Dates : The last updated date for XXXX and TransUnion is XXXX as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified. 3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. 4.Irregular Derogatory Events : XXXX lists 30, 60, and 90-day late payments spanning various months, whereas TransUnion and XXXX do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.
Frequently Asked Questions
What is Complaint #10589838 about?
Complaint #10589838 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-10-26T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.