Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13543226
Complaint Overview
Complaint ID: 13543226
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: Florida
ZIP Code: 331XX
Date Received: 2025-05-15T12:00:00-05:00
Date Sent to Company: 2025-05-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am submitting this formal complaint against American XXXX XXXX due to significant discrepancies in how my account is being reported to the three major credit bureaus : XXXX XXXX, and TransUnion. These discrepancies have not only resulted in misleading negative information on my credit profile, but they have also directly interfered with my ability to access capital, which constitutes a violation of my consumer rights. Upon review of my reports, I have identified the following inconsistencies : 1. A 30-day late payment is being reported in XX/XX/XXXX, despite payment history clearly showing " OK '' ( on-time ) status for that month. 2. The " Date of Last Payment '' differs across bureaus : XXXX shows XX/XX/XXXX, while TransUnion reflects XX/XX/XXXX. 3. The " Last Activity '' date also varies : XXXX reports XX/XX/XXXX, XXXX lists XX/XX/XXXX, and TransUnion lists XX/XX/XXXX. 4. The loan terms are inconsistent : 74 months in XXXX and XXXX, 72 months in TransUnion. 5. " Last Reported '' dates are inconsistent : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). These variations and misreported details contradict each other and violate provisions under : The Truth in Lending Act ( TILA ) - requiring accurate and transparent disclosure of credit terms. The Fair Credit Reporting Act ( FCRA ) - requiring furnishers and CRAs to report information with maximum possible accuracy ( 15 U.S.C. 1681i ). This ongoing misreporting is directly impacting my creditworthiness, blocking financial opportunities, and damaging
Frequently Asked Questions
What is Complaint #13543226 about?
Complaint #13543226 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 2025-05-15T12:00:00-05:00.
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.