Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12507498
Complaint Overview
Complaint ID: 12507498
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: Old information reappears or never goes away
State: Maryland
ZIP Code: 20720
Date Received: 2025-03-16T12:00:00-05:00
Date Sent to Company: 2025-03-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Fair Resolution : 1. Correction of Reported Information : The account with XXXX ( Account Number : XXXX ) shows a charged off as bad debt status from XX/XX/year>, with a balance of {$3500.00} at that time. The account also shows a {$0.00} balance in XX/XX/year> but indicates a profit and loss write-off. I request that the account status be verified to ensure it accurately reflects any settlement, payment, or charge-off status. 2. Verification of Charge-Off : The account was charged off in XX/XX/year>, and the balance should be updated if a settlement or payment was made after the charge-off. If the account was fully settled, the report should reflect the date of settlement and final payment amount. 3. Accurate Reporting of Balance and Status : If the account was paid off after the charge-off, I request that XXXX and TransUnion update the status to show paid in full or settled. If the charge-off is accurate, the information should reflect the correct balance and status as charged off. 4. Removal of Negative Impact : If there is any inaccurate reporting of the balance, status, or charge-off date, I request that these inaccuracies be removed from my credit report. If this was a reporting error, the incorrect charge-off mark and any negative impact should be corrected. 5. Updated Credit Report : Once the corrections have been made, I request TransUnion to provide an updated copy of my credit report showing the corrected account status, including whether the account was paid off, settled, or accurately marked as charged off. 6. Written Confirmation : I request written confirmation from both XXXX and TransUnion confirming that the account information has been reviewed, verified, and updated as necessary. This confirmation should include a detailed explanation of the corrections made. 7. Compensation for Damages ( if applicable ) : If this reporting error has negatively impacted my credit score or resulted in denied credit or unfavorable terms, I request compensation for any damages caused by the inaccurate reporting.
Frequently Asked Questions
What is Complaint #12507498 about?
Complaint #12507498 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 2025-03-16T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.