Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10725046
Complaint Overview
Complaint ID: 10725046
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: California
ZIP Code: 95843
Date Received: 2024-11-07T12:00:00-05:00
Date Sent to Company: 2024-11-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute inaccurate information that is currently being reported on my credit report. XXXX is incorrectly reporting the following details about my alleged account with : Current Closed balance : {$820.00} Original balance : {$6500.00} Last payment : {$0.00} Account status : Voluntarily surrendered, XX/XX/XXXX Settlement offer does not match credit report balance due. These details are inaccurate and misleading for the following reasons and must be DELETED IMMEDIATELY. The account shows as " voluntarily surrendered '' in XX/XX/XXXX, which misrepresents the situation. The total purchase amount changed to {$6500.00}, which is why I wanted the merchandise return. Again, this furniture, was surrendered in XX/XX/XXXX, NOT XX/XX/XXXX. The creditor is offering a settlement amount of {$1300.00} and if I pay this, I would have full ownership of the merchandise. If I voluntarily surrendered the merchandise in XXXX of XXXX, how can I have full ownership. I have been harassed by the creditor for 3 years by emails and text messages requesting a payment. Obviously, someone dropped the ball at their end. I was authorized to surrender these items by XXXX XXXX, from the resolutions dept. None of these amounts reflect what the credit agency is reporting on my XXXX credit report. Obviously, someone at your end has dropped the ball. This is clearly a violation of the Fair Credit Reporting Act ( FCRA ), section 611. Correct this error by deleting this account. I was approved for {$2.00} and not {$6500.00}, which is why I stopped payment on all attempted transactions. ( See attached docs. ). I complained about this various times. My name not XXXX XXXX XXXX. It is XXXX XXXX. See attached doc.
Frequently Asked Questions
What is Complaint #10725046 about?
Complaint #10725046 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 2024-11-07T12:00:00-05:00.
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.