Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13329555
Complaint Overview
Complaint ID: 13329555
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Illinois
ZIP Code: 60473
Date Received: 2025-05-04T12:00:00-05:00
Date Sent to Company: 2025-05-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute of Inconsistent Reporting by XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute several inconsistencies and inaccuracies reported by XXXX XXXX XXXX on my credit file. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I noticed significant discrepancies in how this account is being reported across the three bureaus, which may be adversely affecting my creditworthiness. The specific inconsistencies include : 1. Different Account Balances Each bureau is reporting a different outstanding balance for the same account, which is inaccurate and misleading. 2. Conflicting Open and Close Dates The reported account opening and closing dates vary across the bureaus, which raises concerns about the integrity of the data. 3. Inconsistent Payment History The month-by-month payment records are not aligned among the three reports. In some cases, late payments are shown on one bureau and marked current on another. 4. Different Last Payment Dates The date of last payment is not consistent, which could impact my credit scoring unfairly. 5. Inconsistent Reports of Delinquencies The number and frequency of late payments differ, suggesting erroneous reporting. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all data furnished to credit bureaus must be accurate, complete, and verifiable. As such, I am requesting a thorough investigation and correction of this accounts information to ensure that it is accurately and uniformly reported across all three credit reporting agencies. I will attach a copy of my Driver 's license for identity purposes Please verify the following : Correct account balance Accurate account open and close dates Verifiable last payment date Consistent and accurate payment history Accurate count and dates of late payments ( if any ) Requested Action : Please investigate this matter with the data furnisher and remove any inaccurate information from my credit report within the 30-day period allowed by law. I request written confirmation of the outcome of this investigation. Thank you for your prompt attention to this serious matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13329555 about?
Complaint #13329555 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-04T12:00:00-05:00.
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.