Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13322501
Complaint Overview
Complaint ID: 13322501
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: Texas
ZIP Code: 77083
Date Received: 2025-05-03T12:00:00-05:00
Date Sent to Company: 2025-05-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding multiple instances of inaccurate and potentially unlawful reporting by TransUnion, XXXX of the XXXX major credit reporting agencies. Upon reviewing my credit report, I noticed XXXX troubling issues : TransUnion is reporting a collection account for {$1900.00} from XXXX XXXX XXXX that does not appear on my credit reports with XXXX XXXX XXXX This discrepancy raises questions about the accuracy and validity of the debt and whether TransUnion has verified it appropriately before reporting. Additionally, TransUnion is reporting multiple hard inquiries that are not reported by the other credit reporting agencies, nor have I authorized these inquiries. This inconsistency raises further concern about the integrity and accuracy of the information being maintained and shared by TransUnion. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The failure to maintain consistent and verified records both for collections and credit inquiries represents a clear violation of this obligation. Furthermore, if XXXX XXXX XXXX or any entity submitted information to TransUnion that was not properly verified, this may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading means in connection with the collection of any debt. I have submitted a written dispute to TransUnion regarding these issues and have requested full validation of the debt and an investigation into the unauthorized or inaccurate inquiries. To date, I have received no satisfactory resolution or evidence. I respectfully request that the CFPB investigate these matters and require TransUnion to remove or correct any unverifiable or inaccurately reported information. I am also requesting confirmation that XXXX XXXX XXXX is in compliance with federal consumer protection laws.
Frequently Asked Questions
What is Complaint #13322501 about?
Complaint #13322501 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 2025-05-03T12:00:00-05:00.
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.