Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13474840
Complaint Overview
Complaint ID: 13474840
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: California
ZIP Code: 95205
Date Received: 2025-05-12T12:00:00-05:00
Date Sent to Company: 2025-05-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the inaccurate charge-off entry reported by XXXX XXXX on my TransUnion credit report, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, with a balance of {$1200.00}. This account information is outdated and likely compromised due to a data breach, resulting in false reporting that is damaging my credit. Given the age of this account and the potential mishandling of my personal information, this entry should have been removed or properly verified before being reported. Failing to do so constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). As per 15 U.S.C. 1681i and 15 U.S.C. 1681n, TransUnion is required to ensure the accuracy of the data it reports, including charge-off information. Reporting inaccurate, unverifiable, or outdated data not only violates federal law but also undermines the integrity of the credit reporting system. This kind of negligence must be addressed immediately to prevent further harm to my credit profile.
Frequently Asked Questions
What is Complaint #13474840 about?
Complaint #13474840 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 2025-05-12T12:00:00-05:00.
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.