Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13796705
Complaint Overview
Complaint ID: 13796705
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: Texas
ZIP Code: 77035
Date Received: 2025-05-29T12:00:00-05:00
Date Sent to Company: 2025-05-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint to report several inaccurate, unverifiable, or unresolved credit entries appearing on my consumer credit report. Despite prior efforts to dispute these items, they remain on my report without sufficient verification or correction, violating my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). Disputed Accounts : XXXX ( Account Ending XXXX ) Listed as charged off with a balance of {$1300.00}, opened XX/XX/XXXX. The charge-off remains on file despite my disputes and a lack of documentation validating the amount or status. XXXX XXXX XXXX Account Ending XXXX ) XXXX late payments on a {$710.00} balance, opened XX/XX/XXXX. This tradeline is inaccurate and unsubstantiated. XXXX XXXX XXXX ( Account Ending XXXX ) Reports a charge-off on a {$33000.00} loan from XX/XX/XXXX. Disputes regarding this tradeline have not been adequately investigated or resolved in accordance with FCRA 611. XXXX XXXX Account Ending XXXX ) Charged off {$1500.00} account opened on XX/XX/XXXX. Information provided is insufficient, and I have not received debt validation despite multiple requests. XXXX ( Account Ending XXXX ) A collection for {$940.00} opened on XX/XX/XXXX. This is a future-dated tradeline, which suggests improper or automated entry without oversight. The account remains unverifiable. XXXX XXXX XXXX ( XXXX ) Collection account for {$1200.00} opened on XX/XX/XXXX. Furnisher failed to provide validation or documentation substantiating the alleged debt. XXXX XXXX XXXX ( Account Ending XXXX ) Collection tradeline opened XX/XX/XXXX, also future-dated and without a listed balance. This entry appears to be erroneous or entered without proper adherence to FCRA accuracy standards. XXXX XXXX XXXX ( Account Ending XXXX ) Collection of {$700.00} opened on XX/XX/XXXX. No verification has been supplied, and the account continues to harm my credit unjustly. Harm and Violations : These tradelines are harming my credit profile and contributing to denials of credit and other financial services. They appear in violation of FCRA 602, 604, 607 ( b ), 611, and 623, due to lack of proper validation, duplicative or incorrect reporting, and failure to complete reinvestigation. The presence of future-dated entries further demonstrates systemic noncompliance. Relief Requested : I request immediate reinvestigation and removal of any unverified, inaccurate, or duplicative accounts, written confirmation of corrections, and assurance that my FCRA rights will be honored in the future. If not resolved, I will pursue further complaints with the FTC, State Attorney General, and additional legal options.
Frequently Asked Questions
What is Complaint #13796705 about?
Complaint #13796705 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 2025-05-29T12:00:00-05:00.
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.