Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12088394
Complaint Overview
Complaint ID: 12088394
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: Georgia
ZIP Code: 313XX
Date Received: 2025-02-14T12:00:00-05:00
Date Sent to Company: 2025-02-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX for failing to accurately report my auto loan payment history on my credit reports. My account ( # XXXX ) was closed with a XXXX balance, yet late payments have been inconsistently reported across the three major credit bureaus. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which states that furnishers of information must not report inaccurate or misleading information. Additionally, XXXX XXXX Services has failed to properly investigate this dispute per 15 U.S.C. 1681s-2 ( b ). Furthermore, under 12 CFR 1022.43, I am entitled to an accurate and complete report, free from unverifiable information. I have reached out to XXXX XXXX XXXX directly to resolve this matter, but they have failed to act.
Frequently Asked Questions
What is Complaint #12088394 about?
Complaint #12088394 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 2025-02-14T12:00:00-05:00.
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.