Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11890524
Complaint Overview
Complaint ID: 11890524
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: Georgia
ZIP Code: 31061
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 writing to formally dispute inaccurate and erroneous information on my credit report that has caused me financial harm, including being denied loans and credit cards. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate, fair, and substantiated. Upon reviewing my credit report, I have identified incorrect information that has negatively impacted my creditworthiness. This misinformation has resulted in my inability to secure credit, causing undue financial distress. Under the FCRA, you are obligated to investigate and correct any inaccuracies within 30 days of receiving this notice ( 15 U.S.C. 1681i ( a ) ). The specific inaccuracies include : XXXX XXXX XXXX XXXX XXXX payments. XXXX XXXX XXXX XXXX XXXX late payments. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Given the recent lawsuit against Equifax and Experian for failing to uphold these obligations, it is evident that there has been negligence in ensuring fair and accurate reporting. Due to this negligence, my credit score has been unfairly affected, and I have suffered damages, including credit denials. Under the FCRA : You must conduct a thorough investigation within 30 days ( 15 U.S.C. 1681i ( a ) ). If the disputed information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ). You are required to notify the creditor or furnisher of my dispute ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). I demand that you immediately investigate this matter and correct the inaccuracies. Additionally, I request that you provide me with a written statement of the investigation results, an updated copy of my credit report, and confirmation that any erroneous data has been removed or corrected. If you fail to comply with these legal obligations. Please confirm receipt of this letter and respond to my dispute within the legally required timeframe. I expect to receive confirmation of the corrections within 30 days as mandated by law.
Frequently Asked Questions
What is Complaint #11890524 about?
Complaint #11890524 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 2025-02-01T12:00:00-05:00.
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.