Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13904279
Complaint Overview
Complaint ID: 13904279
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: 341XX
Date Received: 2025-06-04T12:00:00-05:00
Date Sent to Company: 2025-06-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Team, I am writing to formally file a complaint against several creditors and credit reporting agencies due to repeated inaccurate reporting on my credit file. These inaccuracies include unjustified late payment notations, incorrect high balances, and erroneous address listings, all of which have caused substantial harm to my creditworthiness and financial standing. Below are the detailed accounts and issues I am disputing : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Late Payment reported inaccurately ; High balance reported is {$11000.00}, which is incorrect and does not reflect actual payments made. Legal Basis : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : Requires investigation and correction of inaccurate information after a dispute. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) : Prohibits false representation of the status of a debt. XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Multiple late payments reported erroneously ; high balance showing {$3900.00} is not accurate according to my records. Legal Basis : FCRA 1681s-2 ( b ) : Obliges furnishers to correct or delete information found to be inaccurate or incomplete. FDCPA 1692f : Prohibits unfair or unconscionable means to collect or report debt. XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Late payments reported inaccurately ; reported high balance of {$1400.00} does not match my account statements. Legal Basis : FCRA 1681e ( b ) : Creditors must ensure maximum possible accuracy in credit reporting. FDCPA 1692c : Requires verification and validation of debts before reporting adverse information. XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Repeated late payments inaccurately reported on multiple listings ; high balance listed as {$1400.00} is not accurate or verified. Legal Basis : FCRA 1681i : Requires reinvestigation of disputed information and correction of errors. FDCPA 1692g : Mandates provision of debt verification upon dispute. 5. DEPARTMENT OF EDUCATIONXXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Incorrect late payments reported ; high balance reported as {$27000.00} is misleading and inconsistent with payment history. Legal Basis : FCRA 1681s-2 ( b ) : Requires accurate and complete reporting. FDCPA 1692e : Prohibits false or misleading representations. 6. Incorrect Addresses Reported on Credit File Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX These addresses have never been associated with my credit accounts or residence and their inclusion is misleading and violates my privacy. Legal Basis : FCRA 1681e ( b ) : Requires maximum accuracy of consumer information, including personal data. FCRA 1681c : Limits reporting of inaccurate personal information. Summary and Request for Resolution I have repeatedly contacted these creditors to correct the above inaccurate information, yet these errors persist, causing unwarranted damage to my credit profile. The continued reporting of false late payments, inflated balances, and erroneous addresses constitutes a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I hereby request the CFPBs intervention to : Ensure all inaccurate late payment notations are removed or corrected. Verify and adjust the reported balances to reflect accurate account information. Remove all incorrect addresses from my credit report. Conduct thorough investigations as required by law to prevent future inaccuracies. Hold the furnishers accountable for non-compliance with federal credit reporting standards. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation and resolution. I trust the CFPB will help safeguard my rights and restore the accuracy and integrity of my credit report. Thank you for your prompt attention to this serious matter.
Frequently Asked Questions
What is Complaint #13904279 about?
Complaint #13904279 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 2025-06-04T12:00:00-05:00.
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.