Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13168003
Complaint Overview
Complaint ID: 13168003
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: Georgia
ZIP Code: 30144
Date Received: 2025-04-24T12:00:00-05:00
Date Sent to Company: 2025-04-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Federal Trade Commission, I am writing to file a formal complaint against Equifax, TransUnion, and Experian for their failure to comply with federal consumer protection lawsspecifically the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Identity Theft and Assumption Deterrence Act. Key Violations and Discrepancies Identified : XXXX XXXX ( XXXX ) Equifax : Not reported TransUnion : {$7500.00}, marked as collection and disputed Experian : {$7500.00}, marked as unpaid collection and disputed - Violates FCRA 1681i ( failure to investigate ), This account has been updated by XXXX and have agreed to remove the tradeline in its totality XXXX XXXX Account ( Ending in XXXX ) Equifax : Pays As Agreed {$2500.00} TransUnion : Current {$2500.00} Experian : Open, but shows delinquencies from XXXX - Violates FCRA 1681e ( b ) ( accuracy requirement ) and 1681i ( dispute process ) Same account, different histories and risk ratings reported across bureaus. XXXX XXXX Account ( Ending in XXXX ) Equifax : Pays As Agreed {$3800.00} TransUnion : Open {$3800.00} Experian : Open with past-due notations from XXXX - Violates FCRA 1681e ( b ) and 1681i. No late payment data appears in Equifax or TransUnion for this period. XXXX XXXX ( Account Ending in XXXX ) Equifax : Pays As Agreed {$560.00} TransUnion : Not reported Experian : Open {$560.00} - Violates FCRA 1681e ( b ) ( completeness and consistency ) and 1681i. Missing from TransUnion, suggesting incomplete reporting. XXXX XXXX XXXX ( Account Ending in XXXX ) Equifax : Not reported TransUnion : Closed and Paid Experian : Closed, but marked with 30/60/90-day late payments prior to closure - Violates FCRA 1681e ( b ) and 1681i. Conflicting payment history and risk indication. Other Notable Entries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reported only by Experian with no record in the other bureaus Potential data mismatch or incorrect reporting sources. . XXXX XXXX ( Account Ending in XXXX ) - Equifax : Paid charge-off {$4400.00} written off - TransUnion : XXXX for less than full balance, closed in XXXX - Experian : Paid in settlement, charge-off date listed as XXXX [ ] The reporting differs across all three bureaus, particularly in charge-off dates and terminology, which may impact scoring models and creditworthiness. - Violates FCRA 1681c ( reporting limits ), 1681e ( b ), and 1681i. Legal Basis for Complaint : FCRA ( 15 U.S.C. 1681 et seq. ) : Requires consumer reporting agencies to investigate disputes within 30 days and ensure the accuracy of all information they maintain. FACTA : Allows consumers to request fraud alerts and dispute incorrect information. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Makes it a federal crime to knowingly transfer or use identifying information without lawful authority.
Frequently Asked Questions
What is Complaint #13168003 about?
Complaint #13168003 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 2025-04-24T12:00:00-05:00.
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.