Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13375108
Complaint Overview
Complaint ID: 13375108
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: New Mexico
ZIP Code: 882XX
Date Received: 2025-05-06T12:00:00-05:00
Date Sent to Company: 2025-05-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'DISPUTED ACCOUNTS & VIOLATIONSXXXX XXXXXXXX XXXX Account Ending in XXXX XXXX XXXX- Inaccuracies\n- Monthly charge-offs falsely reported as new delinquencies.\n- Incorrect "Date of Last Activity" (DLA) and "Date of First Delinquency"\n- Re-aging of derogatory status to circumvent the 7-year reporting limit.\n- Violations\n- 5 U.S.C. 1681c(a)(4) Reporting obsolete information exceeding 7 years).\n-15 U.S.C. 1681e(b) Failure to ensure accuracy; monthly updates misrepresent account status.XXXX XXXX XXXX XXXX XXXX Deceptive trade practices through misleading reporting.\n- Metro 2 Guidelines Charge-offs must not be updated monthly absent new delinquency.XXXX XXXX XXXX Account Ending in XXXX XXXX XXXX XXXX-Inaccuracies\n- Duplicate tradeline with conflicting DLA, DOFD, and payment history. Violations\n- 15 U.S.C. 1681e(b) Failure to prevent duplicative reporting.\n- 15 U.S.C. 1681i Unreasonable reinvestigation of prior disputesXXXX XXXX XXXX XXXX XXXX Material misrepresentation via redundant derogatory entries.\n- Metro 2 Guidelines Prohibits duplicate accounts unless reconcilable.XXXX XXXX XXXX XXXX Account Ending in XXXX XXXX Inaccuracies\n- Conflicting DOFD and DLA to unlawfully extend reporting (exceeding 7-year limit). Violations\n- 15 U.S.C. 1681s-2(a)(2) Furnishers duty to report accurate DOFDXXXX XXXX XXXX XXXX XXXX Falsifying dates constitutes unfair practice.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRAs must correct inaccuracies, not defer to\nfurnishers.'
Frequently Asked Questions
What is Complaint #13375108 about?
Complaint #13375108 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 2025-05-06T12:00:00-05:00.
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.