Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13420038
Complaint Overview
Complaint ID: 13420038
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: Armed Forces Europe
ZIP Code: XXXXX
Date Received: 2025-05-08T12:00:00-05:00
Date Sent to Company: 2025-05-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
TO Consumer Financial Protection Bureau, Subject : TransUnion Failure to Investigate Disputed Account XXXX XXXX Military Member Impacted I am filing this formal complaint against TransUnion for its failure to correct two accounts that are inaccurately reporting as 90 days past due in the STATUS section of my credit report. This error involves these accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX and are currently listed by TransUnion as derogatory, with a payment history that falsely indicates significant delinquency. I am an XXXX XXXX member of the United States XXXX, and the presence of this false derogatory information is having a serious and escalating impact on my security clearance status, which directly affects my employment. A loss of clearance would result in immediate termination from my position and would have a devastating impact on my life, family, and financial well-being. In response to this inaccurate reporting, I have sent multiple written disputes to TransUnion USPS Tracking # XXXX XX/XX/year>, including a formal letter from XXXX XXXX XXXX XXXX confirming that the account in question was never late and has always been paid as agreed and remains in good standing. Despite clear documentation from the original creditor, TransUnion has refused to correct or update the information, and the derogatory status remains. This ongoing failure to correct the report is in direct violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( 1681i ) Failure to conduct a reasonable reinvestigation of disputed information ; Section 607 ( b ) ( 1681e ( b ) ) Failure to follow reasonable procedures to ensure maximum possible accuracy of credit report data. I am now facing the very real possibility of a loss of employment due to this unresolved issue. I have taken every legal and procedural step available to correct the matter, and this complaint represents my final documented attempt to resolve the issue administratively before I initiate legal proceedings. I respectfully request that the CFPB immediately : Investigate TransUnions failure to properly investigate and correct the reporting of this accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13420038 about?
Complaint #13420038 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 2025-05-08T12:00:00-05:00.
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.