Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12124906
Complaint Overview
Complaint ID: 12124906
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: Texas
ZIP Code: 787XX
Date Received: 2025-02-18T12:00:00-05:00
Date Sent to Company: 2025-02-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : URGENT CFPB COMPLAINT TransUnion Reporting Fraudulent Account Information in Violation of FCRA To Whom It May Concern, I am filing a formal complaint against TransUnion for its deliberate and reckless violation of the Fair Credit Reporting Act ( FCRA ) by reporting wildly inaccurate account information that is causing undue harm to my credit profile. False Reporting & FCRA Violations TransUnion is knowingly misreporting an account from XXXX XXXX, falsely marking it as closed as of XX/XX/XXXX, when in reality, this account was closed in XXXX. This is a blatant attempt to re-age the account and extend its negative impact on my credit file, which is illegal under the FCRA. ====This constitutes multiple violations of federal law, including but not limited to : ==== ****Failure to Report Accurate Information ( 1681e ( b ) ) TransUnion is legally obligated to ensure the maximum possible accuracy of consumer credit reports. Reporting a completely false closed date is a direct violation. **** ****Illegal Re-Aging of a Debt ( 1681c ) Extending the accounts closure date from XXXX to XXXX fraudulently prolongs its negative effect, which is strictly prohibited. **** ****Failure to Properly Investigate Disputes ( 1681i ( a ) ) I have disputed this inaccurate and misleading information, yet TransUnion has failed to correct or remove it, further violating consumer rights. **** ====Ongoing Harm & Demand for Immediate Deletion==== **This continuous and intentional false reporting is severely damaging my credit profile, misrepresenting my creditworthiness, and violating my rights under federal law. **I demand the immediate deletion of this fraudulent account from my credit report due to continuous FCRA noncompliance. **Additionally, I request : A full investigation into TransUnions failure to correct this blatant inaccuracy. Written confirmation that the account has been permanently removed from my credit file. **Compensation for any harm caused by this reckless reporting if the issue is not promptly resolved. **I expect a prompt resolution to this matter and a written response detailing the corrective actions taken.
Frequently Asked Questions
What is Complaint #12124906 about?
Complaint #12124906 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 2025-02-18T12:00:00-05:00.
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.