Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13947067
Complaint Overview
Complaint ID: 13947067
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: 33030
Date Received: 2025-06-06T12:00:00-05:00
Date Sent to Company: 2025-06-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Follow-Up Dispute Verification FCRA and TILA Violations Regarding XXXX Account I am submitting this formal complaint concerning XXXX for continued inaccurate reporting and failure to properly verify disputed information under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Despite submitting prior disputes, the credit reporting agencies continue to report conflicting and inaccurate data, causing ongoing harm to my creditworthiness. Account Information in Dispute : Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} Closed Date : XX/XX/XXXX ( TransUnion only ) Past Due Amount : {$110.00} Payment Status : Late 30 Days Date Reported : XX/XX/XXXX ( TransUnion & XXXX ), XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( TU ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Discrepancies & Inaccuracies Identified : Date of Last Activity : TransUnion : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( a full year later ) Closed Date Reporting : Only TransUnion lists a closed date ( XX/XX/XXXX ) ; XXXX XXXX XXXX do not. Date Reported : XXXX show XX/XX/XXXX XXXX shows a different date : XX/XX/XXXX Credit Limits : TransUnion & XXXX XXXX {$1000.00} XXXX XXXX {$0.00} reported Delinquency History ( Two-Year ) : All three bureaus report late payments, but the pattern, number, and severity of lates are inconsistent. Example : XXXX shows lates through XX/XX/XXXX but does not match XXXX or TU status for that month. These reporting discrepancies violate my rights under the FCRA and suggest that reasonable procedures were not followed to ensure the accuracy and integrity of the information. Violations of Federal Law : 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation : The agencies did not perform a proper reinvestigation or resolve inconsistencies following my dispute. 15 U.S.C. 1681e ( b ) Inaccurate or Incomplete Information : The agencies have failed to maintain maximum possible accuracy, allowing incorrect data to persist. 15 U.S.C. 1681s-2 Duties of Furnishers : XXXX, as the furnisher, did not appropriately investigate or update the disputed information after being notified. 15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : I have not received any original signed contracts or substantiating documentation validating this debt. 15 U.S.C. 1681i ( 7 ) Description of Investigation : The bureaus have not provided a description of the investigation within 15 days of my request, as required by law. TILA 15 U.S.C. 1601 Lack of Transparency and Accuracy : The inconsistent disclosures regarding balances, terms, and reporting periods violate the requirement for clear and accurate reporting. Resolution Requested : Due to these multiple violations and persistent inaccuracies, I respectfully demand : Immediate deletion of the XXXX account from all credit reports ( TransUnion, XXXX XXXX XXXX ). A written explanation of the reinvestigation process, including documentation used to verify the account. Confirmation in writing that no unverifiable or inaccurate information will be reinserted. A formal investigation by your office into the credit bureaus and furnishers non-compliance with federal law. Compensation or corrective action for the ongoing damage to my credit score and ability to access credit products. Thank you for your time and attention to this matter. I trust that the CFPB will act promptly to address this issue and enforce compliance with the laws designed to protect consumers.
Frequently Asked Questions
What is Complaint #13947067 about?
Complaint #13947067 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 2025-06-06T12:00:00-05:00.
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.