Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13947370
Complaint Overview
Complaint ID: 13947370
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Michigan
ZIP Code: XXXXX
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
Tags: Servicemember
Consumer Narrative
I am writing to formally dispute the inclusion of specific credit card accounts on my credit report. These accounts were used exclusively to pay for medical bills, and I believe their inclusion constitutes an inaccurate and unfair reflection of my credit history. The accounts in question are : Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX These debts were directly tied to necessary XXXX XXXX, and I paid for these services using credit due to financial hardship and lack of immediate alternatives. According to changes implemented by the three major credit bureausXXXX XXXX and TransUnionand in light of the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), there has been a clear recognition that medical debt does not accurately predict a consumers ability or willingness to repay non-medical debts. Moreover, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or unfair items on my credit report and to request their reinvestigation. It is my assertion that medical-related credit card debtespecially when the charges would have otherwise been processed by a providershould be evaluated with the same standard now applied to medical collections. Additionally, as outlined in the CFPB 's report on medical debt ( XXXX ), the use of third-party payment methods ( such as credit cards ) to cover medical costs should not strip consumers of the protections granted under medical debt reforms. The No Surprises Act and industry policy changes reinforce the understanding that consumers should not be unfairly penalized for medical emergencies and their financial consequences.
Frequently Asked Questions
What is Complaint #13947370 about?
Complaint #13947370 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on 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.