Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11768375
Complaint Overview
Complaint ID: 11768375
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: 33010
Date Received: 2025-01-21T12:00:00-05:00
Date Sent to Company: 2025-01-21T12:00:00-05:00
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 Payments XXXX XXXX XXXX Account To Whom It May Concern, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. Account Details : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Creditor Remarks : Closed Nature of the Complaint : Inaccurate Reporting : My credit report reflects late payments in XXXX and XX/XX/XXXX. However, I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. The reported late payments ( 30 days late in XXXX and 60 days late in XXXX ) are inaccurate and misrepresent my creditworthiness. Discrepancies in Reporting : TransUnion is reporting 30-day late payments for XX/XX/XXXX and 60-day late payments for XX/XX/XXXX. Both XXXX and XXXX do not report any late payments for these periods, highlighting inconsistencies in reporting accuracy across bureaus. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1681 ), which requires credit reporting agencies to ensure maximum accuracy of the information reported in consumer files. Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation and may violate FDCPA protections for consumers. Truth in Lending Act ( TILA ) : The reporting practices undermine the transparency mandated by TILA, which requires the accurate reporting of credit information. Additionally, the FCRA ( 15 USC 1681i and 15 USC 1681s-2 ) mandates that credit reporting agencies and information furnishers correct inaccurate or incomplete information. Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline the civil liabilities for willful and negligent noncompliance, including damages for failure to adhere to these provisions. Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. Please update my account to reflect my true payment history of 100 % on-time payments. I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. Attachments : Copy of my personal identification document Copy of my recent credit report highlighting the discrepancies Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11768375 about?
Complaint #11768375 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 2025-01-21T12:00:00-05:00.
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.