Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13190005
Complaint Overview
Complaint ID: 13190005
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 status incorrect
State: Texas
ZIP Code: 75126
Date Received: 2025-04-25T12:00:00-05:00
Date Sent to Company: 2025-04-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint against Experian, TransUnion, and XXXX regarding their handling of a medical collection that appears on my credit report. I have disputed this collection account with the credit bureaus and provided documentation to support my position. Despite this, Experian has refused to remove the item. TransUnion and XXXX have also failed to act in accordance with current federal guidance on medical debt reporting. Under the updated FCRA ( Fair Credit Reporting Act ) guidelines and recent policy changes announced by the credit bureaus, medical collections under {$500.00}, or those that have been paid or are over one year old, should no longer be reported. Additionally, the No Surprises Act provides further protections for consumers regarding certain types of medical debt. My complaint is as follows : 1. The bureaus continue to report a medical collection that should be excluded under current reporting standards. 2. Experian in particular has stated they will not remove the item, despite my dispute and request for reinvestigation. 3. This negative reporting is affecting my credit score and access to financial opportunities unjustly. I am requesting that the Consumer Financial Protection Bureau investigate this matter. I am also requesting the credit reporting agencies in question take immediate corrective action by : Removing the disputed medical collection from my credit report. Providing a written response detailing their investigation and final decision. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #13190005 about?
Complaint #13190005 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 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.