Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11890272
Complaint Overview
Complaint ID: 11890272
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 349XX
Date Received: 2025-02-01T12:00:00-05:00
Date Sent to Company: 2025-02-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing the inaccurate reporting of late payments on my consumer report related to Account # XXXXXXXX XXXX XXXX XXXX XXXX. I have always made timely payments, and the late payments being reported on my credit file are incorrect. This erroneous reporting violates my rights under federal consumer law and must be corrected immediately. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to ensure that all information reported is 100 % accurate, complete, and verifiable. Specifically, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports. Reporting inaccurate late payments when I have consistently paid on time is a direct violation of this provision. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers of information from reporting data they know or should know to be inaccurate. If the data furnisher has provided incorrect information regarding my payment history, they are in violation of this statute and must rectify the error immediately. I request that TransUnion conduct a proper investigation into this matter and take the following corrective actions : 1. Immediately remove or correct the inaccurate late payments associated with Account # XXXX XXXX XXXX XXXX from my consumer report. 2. Provide written confirmation that the necessary corrections have been made and that the inaccurate late payments have been removed. 3. Ensure that this correction is reflected across all credit bureaus to prevent further damage to my credit profile. I have attached supporting documentation, including copies of my credit reports, payment records, and previous dispute attempts, to substantiate my claim. Please investigate this matter promptly and notify me of the resolution in writing. I trust that TransUnion will adhere to its legal obligations under the FCRA and take the necessary steps to ensure that only accurate and verifiable information is reported on my consumer file. Thank you for your prompt attention to this matter. I look forward to your response.
Frequently Asked Questions
What is Complaint #11890272 about?
Complaint #11890272 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-02-01T12:00:00-05:00.
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.