Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13574012
Complaint Overview
Complaint ID: 13574012
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: Florida
ZIP Code: 32223
Date Received: 2025-05-17T12:00:00-05:00
Date Sent to Company: 2025-05-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was encouraged to open a XXXX credit card at checkout by a store associate, and I used it only once for that single in-store purchase. After receiving the card in the mail, I intended to set up autopay ( as I do with all my cards ), but I mistakenly forgot to activate it or revisit the account, as I wouldnt be using the card. This was an honest oversight not an attempt to avoid payment. I eventually paid off the balance in full ( including fees ), and I even overpaid the original transaction amount. Despite my otherwise spotless payment history, XXXX reported a 30 and 60-day late payments on this one small transaction, and has refused to remove the marks from my credit report. As a result, my credit score has dropped over XXXX points out of proportion to the severity of the mistake, and far beyond what seems fair for a one-time, low-dollar lapse. I have repeatedly asked for a goodwill adjustment, which many issuers offer in cases like this, especially when the consumer has made good on the balance. I am asking the CFPB to help review this case, as I believe the reporting is unnecessarily punitive and damaging to my long-standing good credit.
Frequently Asked Questions
What is Complaint #13574012 about?
Complaint #13574012 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-05-17T12:00:00-05:00.
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.