Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13773093
Complaint Overview
Complaint ID: 13773093
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: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 30274
Date Received: 2025-05-28T12:00:00-05:00
Date Sent to Company: 2025-05-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unverified Late Payments Request for Immediate Deletion To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, regarding late payment entries currently reported on my credit file. These entries are reported by the following furnishers : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy and verification of these late payment entries and requesting their immediate removal. Under the FCRA, you are required to investigate my dispute and remove any information that can not be verified with complete accuracy. Legal Basis for Dispute FCRA XXXX ( a ) requires a reasonable reinvestigation of disputed information within XXXX days. If the information can not be verified, it must be deleted from the consumer 's credit file. FCRA XXXX ( b ) requires furnishers of information to conduct a proper investigation when a consumer disputes information. XXXX U.S.C. XXXX under the Truth in Lending Act provides that payments received must be credited promptly and accurately, and billing errors must be corrected. Improperly posted payments or delayed crediting may result in false late reporting, which violates federal law. I am requesting the following actions : Immediate deletion of the late payment records from the above accounts. Written verification and documentation of the exact dates and amounts alleged to be late. Confirmation that any unverifiable or inaccurately reported information has been permanently removed from my credit file. Failure to comply with your obligations under the FCRA and other applicable consumer protection laws may result in formal complaints filed with the Consumer Financial Protection Bureau ( XXXX ), Federal Trade Commission ( XXXX ), and my State Attorney General 's Office, in addition to legal action to seek damages. Please consider this letter as my good faith effort to resolve this matter. I expect your written confirmation of your investigation results within XX/XX/XXXXdays, per federal law. Sincerely, XXXX XXXX XXXX XX/XX/XXXX 1984
Frequently Asked Questions
What is Complaint #13773093 about?
Complaint #13773093 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 2025-05-28T12:00:00-05:00.
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.