Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12025627
Complaint Overview
Complaint ID: 12025627
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: 33172
Date Received: 2025-02-10T12:00:00-05:00
Date Sent to Company: 2025-02-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account Number : XXXX Disputed Information : 1. Inconsistencies in the Date of Last Activity TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX The date of last activity should be consistent across all credit bureaus. These discrepancies can negatively impact the credit score and the duration of the negative report on the credit history. 2. Differences in the Date Reported TransUnion : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXX All bureaus should report the information on the same date. The difference in XXXX 's report may indicate an error in data updating. 3. Discrepancy in the Account Closure Date TransUnion : XX/XX/XXXX XXXX : Not reported XXXX : Not reported If the account is closed, it should be uniformly reflected across all bureaus. 4. Differences in the Most Recent Payment Date TransUnion : Not reported XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX The last payment date should be consistent across all reports. 5. Incorrectly Reported Payment History TransUnion : No payment history reported. XXXX and XXXX : Report late payments inconsistently. XXXX reports late payments of 30, 60, 90, 120, and even 150 days. XXXX reports 30, 60, 90, and 120-day delinquencies with differences in the specific months. This indicates a possible misreporting or incorrect assignment of delinquency dates. 6. Lack of Consistency in the Credit Limit XXXX : {$500.00} XXXX : {$500.00} TransUnion : Not reported If the account had a credit limit, it should be reflected in all agencies. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. Resolution Requested : I am requesting that the CFPB investigate this matter and assist in ensuring that TRANSUNION complies with the FCRA by : 1. Conducting a full investigation into my dispute. 2. Correcting or removing any inaccuracies found in my credit report. 3. Ensuring that all reporting practices align with federal regulations. 4. Removing all accounts reported inaccurately due to the violations of the FCRA. Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12025627 about?
Complaint #12025627 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 2025-02-10T12:00:00-05:00.
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.