Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13189090
Complaint Overview
Complaint ID: 13189090
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: 2025-04-25T12:00:00-05:00
Date Sent to Company: 2025-04-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, In addition to my primary complaint regarding unauthorized and inaccurately reported accounts, I am submitting this supplement specifically related to student loan accounts appearing on my Equifax, TransUnion, and Experian credit reports. Upon detailed review, I identified multiple reporting discrepancies involving accounts serviced by the U.S. Department of Education and XXXX : Key Violations and Discrepancies ( with Applicable Laws ) : 1. Balance Inconsistencies : - Dept of Education loans reflect different balances across credit bureaus for the same update dates. - Violates FCRA 1681e ( b ) Credit reporting agencies must maintain maximum possible accuracy. XXXX. Payment History Errors : - Some loans display payment history statuses inconsistently ( " XXXX '', " PDE '', " Transferred '' ) without standardization. - Violates FCRA 1681e ( b ) and 1681i. 3. High Balance Variations : - High balance amounts differ between Experian, TransUnion, and Equifax for the same loans. - Violates FCRA 1681e ( b ). XXXX. Date Opened Discrepancies : - Small but legally significant differences in " Date Opened '' fields across bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Violates FCRA 1681e ( b ). 5. Missing Payment Histories : - Equifax reports contain significantly fewer months of payment history compared to TransUnion. - Violates FCRA 1681i ( a ) ( 5 ) ( A ) Right to complete file disclosure. 6. Status Update Errors : - Some loans listed as " Current '' while also showing deferment or transfer statuses on other bureaus. - Violates FCRA 1681e ( b ) and FACTA.
Frequently Asked Questions
What is Complaint #13189090 about?
Complaint #13189090 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 2025-04-25T12:00:00-05:00.
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.