Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12753512
Complaint Overview
Complaint ID: 12753512
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: Report provided to employer without your written authorization
State: Texas
ZIP Code: 75115
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-03-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing this complaint to report inaccurate information that is being reported on my credit report without my written consent. Specifically, the accounts under MOHELA were reported as being refinanced and closed, with late payments listed. However, I did not authorize any such reporting, nor did I receive any communication or documentation regarding these changes. According to 15 U.S.C. 1681b, the Fair Credit Reporting Act ( FCRA ) clearly states that credit reporting agencies and lenders are prohibited from reporting negative information without explicit consent from the consumer, especially when such information affects my creditworthiness. The inaccurate reporting of late payments and closed accounts has caused significant harm to my credit report and violates my rights under the law. I request that these errors be immediately corrected and that my credit report reflect accurate information. I also request an investigation into how this information was reported without my consent.
Frequently Asked Questions
What is Complaint #12753512 about?
Complaint #12753512 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 2025-03-31T12:00:00-05:00.
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.