Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10877896
Complaint Overview
Complaint ID: 10877896
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: Texas
ZIP Code: 77074
Date Received: 2024-11-20T12:00:00-05:00
Date Sent to Company: 2024-11-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXXXXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for my XXXX XXXX XXXX account. These late payments are erroneous and do not accurately reflect my payment history. Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC 1666 ( b ) ). Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA. Truth in Lending Act ( TILA ) : These reporting errors breach the TILA 's requirements for accurate credit reporting. Under the FCRA, sections 15 U.S. Code 1681i and 1681s-2 mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline liability for noncompliance. Summary of Errors and Discrepancies Across All Bureaus : Late Payments : TransUnion : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are inaccurate. XXXX : Similar late payment errors as TransUnion, with reports of 30, 60, and 90+ day late payments during the same timeframe. XXXX : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are incorrect. Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only TransUnion provides a closing date ( XX/XX/XXXX ), while XXXX and XXXX omit this information. Balance Owed : Consistent across bureaus at {$1100.00}. Payment History : TransUnion and XXXX show errors starting in XXXX, while XXXX begins reporting errors in XXXX. Requested Resolution I request TransUnion to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Update the account to reflect accurate, on-time payments for all disputed months. I expect written confirmation of these corrections within 30 days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. A copy of the clients Social Security Number. Bank statements showing proof of timely payments during the disputed months. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10877896 about?
Complaint #10877896 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 2024-11-20T12:00:00-05:00.
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.