Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13448364
Complaint Overview
Complaint ID: 13448364
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: 77406
Date Received: 2025-05-10T12:00:00-05:00
Date Sent to Company: 2025-05-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted a written dispute to TransUnion and XXXX XXXX XXXXXXXX demanding the immediate correction of the following inaccuracies on my credit report regarding my XXXX XXXX XXXXXXXX account ( Limit : {$500.00}, Opened : XX/XX/XXXX ) : XXXX. * * False Account Status * * - * * Error * * : Account incorrectly reported as " closed '' on XX/XX/XXXX. - * * Proof * * : Payment history shows XX/XX/XXXX months marked " '' ( on-time ) for XXXX. Last payment recorded on XX/XX/XXXX inconsistent with a " closed '' status. 2. * * Incorrect Delinquency Reporting * * - * * Error * * : Falsely labeled " In Collections/Charge-off '' with {$660.00} past due. - * * Proof * * : No late payments ( " X '' ) in XXXX all months show " ''. " 8 % on-time payments '' claim contradicts the -marked history. XXXX. * * Inflated Credit Utilization * * - * * Error * * : Reported balance of {$660.00} ( 133 % of {$500.00} limit ) despite : Active payments through XX/XX/XXXX. No evidence of valid debt. * * Legal Violations : * * - * * FCRA 611 * * : Failure to maintain reasonable procedures to ensure maximum possible accuracy. - * * FDCPA 807 ( 8 ) * * : Misrepresenting the character/amount of debt. * * Demands : * * - * * Immediate removal * * of : " Collections/Charge-off '' status and {$660.00} debt. All " X '' ( late payment ) notations for XXXX. - Correction to reflect : 100 % on-time payment history. Accurate account status ( open/closed per actual use ). - Written confirmation of corrections within 30 days. * Attached Evidence : * - Screenshots of conflicting reports ( TransUnion, dated XX/XX/XXXX ). * Impact : * These errors have caused : Unjustified credit score damage. Denial of credit opportunities.
Frequently Asked Questions
What is Complaint #13448364 about?
Complaint #13448364 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 2025-05-10T12:00:00-05:00.
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.