Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13879287
Complaint Overview
Complaint ID: 13879287
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: 33126
Date Received: 2025-06-03T12:00:00-05:00
Date Sent to Company: 2025-06-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Accounts Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : I am filing this complaint because there is a charges-offs on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, the charge-offs is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. 3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. I believe the charge-off is inaccurate for the following reason ( s ) : * [ accounts showing different balances accross the credit bareus Date opened doesnt match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. * Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13879287 about?
Complaint #13879287 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 2025-06-03T12:00:00-05:00.
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.