Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13709257
Complaint Overview
Complaint ID: 13709257
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: Georgia
ZIP Code: 30339
Date Received: 2025-05-25T12:00:00-05:00
Date Sent to Company: 2025-05-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Formal Dispute of Inaccurate Charge-Off XXXX XXXX Account Number : XXXX To Whom It May Concern, This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and removal of the XXXX XXXX charge-off account listed on my credit report. This account contains multiple material inaccuracies that violate federal law and your obligations under the FCRA. Under 15 U.S. Code 1681e ( b ), you are required to ensure that all information you report is complete and accurate. Additionally, per 15 U.S. Code 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, you must either correct it or delete it entirely from the consumers credit file. Specifically : The account was paid in full after closure ; however, the report inaccurately reflects an unpaid or charged-off status. Despite payment, interest continued to accrue, which is in direct violation of the terms presented after closure. There is inconsistency in how this account is being reported across the three credit bureaus, a clear sign of non-uniform and inaccurate data. I have attached supporting documentation ( bank statement ) that clearly proves payment in full was made and that further charges were applied improperly. In light of the above, I formally demand : 1. A complete investigation into the XXXX XXXX entry. 2. Immediate deletion of the account from all three credit bureaus if full accuracy can not be verified. 3. A written response confirming deletion or detailed documentation proving otherwise within 3045 days. If you fail to comply, I will move forward with litigation to pursue {$1000.00} in damages for each inaccuracy as permitted by the FCRA, due to your willful noncompliance with federal reporting standards. Please be advised this letter serves as legal notice. I am documenting all communication and reserve the right to escalate this matter accordingly. Sincerely, XXXX XXXX XXXX : XXXX XXXX : [ XXXX ] Enclosures : Copy of valid ID Proof of address ( utility bill or lease ) Bank statement showing payment Copy of credit reports showing inaccuracies
Frequently Asked Questions
What is Complaint #13709257 about?
Complaint #13709257 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 2025-05-25T12:00:00-05:00.
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.