Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13956240
Complaint Overview
Complaint ID: 13956240
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: North Carolina
ZIP Code: 28027
Date Received: 2025-06-07T12:00:00-05:00
Date Sent to Company: 2025-06-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB COMPLAINT - CREDIT REPORT DISPUTE Consumer : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX Complaint filed against the following Credit Reporting Agencies : - TransUnion - Experian - Equifax Nature of Complaint : This formal complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate, outdated, and/or unverifiable accounts listed below that are currently being reported by the major credit bureaus. Despite previous attempts to resolve these disputes directly, the inaccuracies remain. I am requesting a full investigation and permanent removal of the erroneous entries. Detailed List of Disputed Accounts : Creditor : XXXX XXXX XXXX Status : Open - Late 60 Days Details : {$90.00} Past Due | 129 % Utilization | Last Reported : XX/XX/XXXX | Last Payment : XX/XX/XXXX Creditor : XXXX XXXX Status : Open - Late 60 Days Details : {$240.00} Past Due | Balance : {$2200.00} | Last Payment : XX/XX/XXXX Creditor : XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status : Closed - Late 90 Days Details : {$100.00} Past Due | Balance : {$380.00} | Closed by XXXX Creditor : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status : Closed - Late 120 Days Details : {$160.00} Past Due | Balance : {$480.00} | Closed by XXXX Creditor : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status : Closed - Late 150 Days ( Experian ), 120 Days ( others ) Details : {$330.00} Past Due | Balance : {$1600.00} Creditor : XXXX Status : Closed - Late 150 Days Details : {$430.00} Past Due | Balance : {$480.00} Creditor : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status : Closed - Late 120 Days Details : {$190.00} Past Due | Balance : {$650.00} Creditor : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status : Closed - Late 90 Days Details : {$340.00} Past Due | Balance : {$2800.00} Creditor : XXXX ( Equifax ) XXXX : Charge-off Details : Transferred or sold Creditor : XXXX ( Experian ) Status : Late 180 Days Details : - Creditor : XXXX Status : Charge-off Details : {$1900.00} High Credit | Sold to XXXX XXXX : XXXX Status : Charge-off Details : {$690.00} Balance | $ XXXX Past Due Creditor : XXXX XXXX XXXX ( Progressive ) Status : Collection - Disputed Details : {$620.00} Balance | Debt unsatisfied Creditor : XXXX ( Equifax ) Status : Charge-off Details : {$1200.00} High Credit | Last Payment : XX/XX/XXXX XXXX : XXXX ( XXXX - Equifax ) Status : Closed - 30 Days Late Details : - I am formally requesting that the CFPB investigate these matters and require the credit bureaus to remove the above accounts from my credit file where appropriate. These accounts are damaging my credit reputation and do not accurately reflect my credit history. Attached are supporting affidavits and documentation to substantiate my dispute claims. Respectfully submitted, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX
Frequently Asked Questions
What is Complaint #13956240 about?
Complaint #13956240 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 2025-06-07T12:00:00-05:00.
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.