Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13189121
Complaint Overview
Complaint ID: 13189121
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: North Carolina
ZIP Code: 279XX
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
Subject : Dispute of Inaccurate Late Payment & Improper Business Account Reporting under FCRA 611 and 623 To Whom It May Concern, I am formally disputing a derogatory tradeline inaccurately reporting on my XXXX credit report. The account in question is not only showing an incorrect 60-day late payment, but it is also a business credit card that should not be reporting on my personal consumer file. This is in direct violation of the Fair Credit Reporting Act ( FCRA ) and must be addressed immediately. Disputed Account Information : Creditor Name : XXXXXXXX XXXX Account # : XXXX * * * * Reported Status : 60 Days Late Balance : {$17000.00} Credit Type : XXXX XXXX Credit Card XXXX XXXX Credit Card Reported Only To : Experian Date of Alleged Late : XX/XX/year> Dispute Grounds : XXXX. Inaccurate Late Payment Reporting The account is reporting as 60 days late, however payment history and internal documentation confirm the payment was no more than 30 days late. This reporting is factually incorrect. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report information accurately and completely. If you can not verify this late payment with clear documentation, the status must be corrected or removed immediately. 2. Improper Reporting of a Business Account on Personal Credit This is a business credit card, not a personal liability. Reporting business accounts on a personal consumer credit filewhen not explicitly guaranteed or contracted as a personal liabilitymay constitute a violation of FCRA 604 regarding permissible purpose. I am demanding removal of this account from my personal credit file as it does not belong under consumer reporting guidelines. XXXX. Discrepancy Across Bureaus ( XXXX Only ) This derogatory status appears only on XXXX, not on TransUnion or XXXX. This inconsistency raises concern about the reliability and verification methods used by XXXX and the data furnisher. Under FCRA 611 ( a ), I am requesting a full reinvestigation of this item and deletion if it can not be independently and lawfully verified. Resolution Requested : Remove the incorrect 60-day late payment OR update to reflect accurate 30-day status Immediately remove this account from my personal credit report as it is a business credit card Provide the method of verification used to confirm both the payment status and permissible reporting of a business account on a personal file, per FCRA 611 ( a ) ( 7 ) Please provide a written response and updated copy of my Experian report reflecting the results of this reinvestigation within 30 days, as required by law. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13189121 about?
Complaint #13189121 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. 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.