Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10805996
Complaint Overview
Complaint ID: 10805996
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 status incorrect
State: Florida
ZIP Code: 33461
Date Received: 2024-11-14T12:00:00-05:00
Date Sent to Company: 2024-11-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2024 Subject : Dispute Regarding Inaccurate Late Payment Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my credit file maintained by TransUnion. I believe these reported late payments are erroneous and do not accurately reflect my actual payment history. Nature of the Complaint : Inaccurate Reporting : I have consistently made payments on time for my XXXX XXXX account, and I am enrolled in autopay across all my accounts, ensuring timely payments. However, my credit report inaccurately lists late payments, which misrepresent my creditworthiness. Violation of the Fair Credit Reporting Act ( FCRA ) : Under FCRA ( 15 USC 1666 ( b ) ), credit reporting agencies are required to maintain accurate information. The false reporting of these late payments constitutes a violation of my rights under FCRA, as they do not accurately represent my credit history. Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresenting my account status with false late payments may also breach the FDCPA, which prohibits misleading information regarding consumer accounts. Truth in Lending Act ( TILA ) : TILA mandates accurate reporting practices to protect consumers. Inaccurate reporting practices in this instance may constitute a violation of TILA. In addition, the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, mandates that credit bureaus and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the highest level of accuracy. Furthermore, sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline civil liability for both willful and negligent noncompliance, which allows for damages, attorneys fees, and potential punitive damages for failure to comply. Summary of Errors and Discrepancies The following are specific discrepancies for my XXXX XXXX account reported by TransUnion, XXXX, and XXXX : Late Payment Reporting : TransUnion and XXXX report a 30-day late payment in XXXX, while XXXX reports a 30-day late payment in XXXX. This inconsistency indicates a clear error, as I have made all payments on time. Date of Last Activity : TransUnion lists the date of last activity as XX/XX/2024, XXXX as XX/XX/2024, and XXXX as XX/XX/2024. These discrepancies create confusion regarding the true status of my account. XXXX XXXX : Each bureau reports a balance of {$0.00}, which is accurate, but the payment history entries conflict with this balance status. Account Description and Remarks : XXXX includes an additional remark stating Charge amount in XXXX XXXX is credit limit, which is not reported by TransUnion or XXXX, creating inconsistencies in my file. Last Payment Date : TransUnion and XXXX record the last payment as XX/XX/2024, while XXXX lists it as XX/XX/2024. These discrepancies misrepresent my payment history and account details, thereby negatively impacting my creditworthiness. Each bureau should ensure consistent and accurate information. Requested Resolution : I request that TransUnion conducts a thorough investigation of my XXXX XXXX account and removes any inaccurate late payments from my report. I request that the entries reflect my true payment history of 100 % on-time payments. Please provide written confirmation of these changes within 30 days of receipt of this complaint. Should this issue remain unresolved, I may pursue further actions to ensure my rights are protected. Thank you for your attention and prompt resolution to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10805996 about?
Complaint #10805996 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 2024-11-14T12:00:00-05:00.
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.