Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10976758
Complaint Overview
Complaint ID: 10976758
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: 33312
Date Received: 2024-11-29T12:00:00-05:00
Date Sent to Company: 2024-11-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In XXXX, I reviewed my credit reports from XXXX, XXXX, and TransUnion and identified several inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These include the reporting of late payments, charge-offs, and derogatory accounts without proper validation or investigation. The inaccuracies involve accounts with XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, and XXXX, among others. For example : A XXXX XXXX account, opened XX/XX/XXXX, shows a {$230.00} past-due balance as of XX/XX/XXXX, despite disputes about its accuracy. An XXXX XXXX account, opened XX/XX/XXXX, reflects {$100.00} written off despite being paid and closed. A XXXX XXXX XXXX XXXX account, opened XX/XX/XXXX, inaccurately reports a {$360.00} past-due balance as of XX/XX/XXXX. I have submitted disputes and requested validation under 15 U.S.C. 1692g, but the companies failed to correct or validate these debts. This inaccurate reporting has caused harm to my credit profile, violated the FCRAs reinvestigation requirements under 15 U.S.C. 1681i, and included practices that violate FDCPA provisions, such as harassment ( 15 U.S.C. 1692d ) and false representation ( 15 U.S.C. 1692e ). I seek the removal of all inaccurate and unverifiable information, proper validation of debts, and compliance with federal laws.
Frequently Asked Questions
What is Complaint #10976758 about?
Complaint #10976758 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 2024-11-29T12:00:00-05:00.
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.