Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12500461
Complaint Overview
Complaint ID: 12500461
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: Ohio
ZIP Code: 452XX
Date Received: 2025-03-15T12:00:00-05:00
Date Sent to Company: 2025-03-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX, for the following account Numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. XXXX has constantly made mistakes regarding my payments. I have contacted and spoken to XXXX on multiple occasions and they have told me that these payments are not to be made through XX/XX/year> due to being in Student forbearance and switching of servicers. Yet, these payments are still being shown as late, which caused a significant drop in my Credit Score reported, which is unacceptable. This information reflected on my credit report is extremely inaccurate. Regardless, payments have still been made while in forbearance. The incompetency and inaccurate reporting has led from my Credit Score going from excellent to unfavorable in a matter of minutes.
Frequently Asked Questions
What is Complaint #12500461 about?
Complaint #12500461 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 2025-03-15T12:00:00-05:00.
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.