Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13197671
Complaint Overview
Complaint ID: 13197671
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: North Carolina
ZIP Code: XXXXX
Date Received: 2025-04-26T12:00:00-05:00
Date Sent to Company: 2025-04-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally request the removal of inaccurate late payment entries from my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These entries are erroneous and do not accurately reflect my payment history. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1681b and 15 U.S.C. 1666 ( b ), to dispute these inaccuracies. Under 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that the information they report is accurate and only shared for permissible purposes. The late payment entries in question are incorrect and have been reported without proper verification, thus violating this statute. Additionally, 15 U.S.C. 1666 ( b ) provides consumers with the right to dispute billing errors, which include inaccuracies in reported payment history. I am exercising this right to challenge the erroneous late payment entries and request their immediate correction. The specific entries I am disputing are as follows : 1. XXXX XXXX - Late Payment Reported for XX/XX/XXXX In accordance with Section 605B of the FCRA, I am providing a sworn statement asserting that these late payment entries are inaccurate. Please conduct a thorough investigation into these matters and provide me with written confirmation of the deletion or correction of these entries. I expect a response within the 15-day period mandated by the FCRA. Thank you for your immediate attention to this matter. I look forward to resolving these inaccuracies promptly.
Frequently Asked Questions
What is Complaint #13197671 about?
Complaint #13197671 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 2025-04-26T12:00:00-05:00.
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.