Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10879056
Complaint Overview
Complaint ID: 10879056
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: Mississippi
ZIP Code: 39759
Date Received: 2024-11-19T12:00:00-05:00
Date Sent to Company: 2024-11-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute inaccuracies in my credit report related to the account listed as XXXX ( Account # XXXX ). Upon reviewing my credit report, I have identified discrepancies in the reporting of this account by TransUnion, XXXX, and XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report must be accurate, complete, and verifiable. Below are the specific discrepancies I have identified : 1. High Balance Discrepancy : TransUnion and XXXX report the high balance as {$7400.00}, while XXXX lists it as {$6100.00}. Please verify and correct the accurate high balance for this account across all reporting bureaus. XXXX. Last Activity Date : TransUnion lists the last activity date as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. XXXX does not include a last activity date at all. I request verification and correction of the accurate last activity date for this account. XXXX. XXXX Remarks : TransUnion indicates payment after charge-off/collection purchased by another lender, while XXXX states, account transferred or sold ; paid charge-off. These conflicting remarks suggest reporting errors, which must be clarified and updated with consistent, accurate information. XXXX. Last Payment Date : XXXX reports a last payment date of XX/XX/XXXX, XXXX reports XX/XX/XXXX, and TransUnion provides no last payment date. This inconsistency must be reviewed, and the correct last payment date should be uniformly reported. XXXX. Payment History Reporting : TransUnion and XXXX provide no two-year payment history, while XXXX shows inconsistent statuses ( e.g., delinquent vs. OK ). This irregularity must be resolved to ensure an accurate record of the accounts payment history. XXXX. Account Classification : TransUnion lists the account as Auto Dealers, Used, while XXXX categorizes it as Auto Financing. These conflicting classifications must be reviewed and corrected. I request that you investigate the discrepancies listed above and provide me with a corrected credit report. Additionally, please supply me with documentation verifying the accuracy of the information currently being reported or remove any unverifiable information from my credit file in compliance with the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. Please complete your investigation and provide me with the results within 30 days, as required by the FCRA. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10879056 about?
Complaint #10879056 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 2024-11-19T12:00:00-05:00.
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.