Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11122827
Complaint Overview
Complaint ID: 11122827
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: 34668
Date Received: 2024-12-11T12:00:00-05:00
Date Sent to Company: 2024-12-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit file regarding the XXXX account ( # XXXX ). As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure all reported information is accurate and to promptly investigate disputes. The payment status for this account incorrectly indicates " 30 days late, '' despite my consistent on-time payments. I have attached supporting documentation to verify the account 's actual payment history. Below are the account details : High Balance : {$830.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by credit grantor Two-Year Payment History : Indicates " OK '' for all months but still reflects a " 30 Days Late '' status inaccurately. I am requesting a detailed description of the investigation process conducted under 15 USC 1681i ( a ) ( 7 ). Additionally, I ask that you provide valid documentation, including payment dates, amounts, and evidence substantiating the reported late payment. If no valid proof can be provided, I demand that the account 's payment status be updated to reflect " Paid As Agreed Never Late. '' Failure to resolve this within the FCRA-mandated 30-day investigation period will be considered a violation of my consumer rights. I appreciate your prompt attention to this matter and expect an accurate and fair resolution. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11122827 about?
Complaint #11122827 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 2024-12-11T12:00:00-05:00.
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.