Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13985925
Complaint Overview
Complaint ID: 13985925
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 status incorrect
State: Ohio
ZIP Code: 441XX
Date Received: 2025-06-09T12:00:00-05:00
Date Sent to Company: 2025-06-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upon reviewing my credit report, I discovered inaccurate and damaging information concerning an account falsely marked as having a late payment. Specifically : XXXX reported a late payment for XX/XX/year>. This report is completely false and misleading. I made all required payments on time, and at no point did I default, delay, or violate any payment agreement with this creditor. This inaccurate reporting not only harms my creditworthiness but violates multiple federal statutes under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) Reasonable Procedures for Maximum Accuracy Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. Reporting a false delinquency shows a failure to comply with this legal obligation. 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Furnishers like XXXX are legally required to report only truthful, complete, and updated data. False reporting of late payments is a direct violation of this provision. 15 U.S. Code 1681s-2 ( b ) Duty to Investigate Disputed Information Once I submitted my dispute, both the furnisher and the credit bureaus were required to conduct a complete and reasonable investigation. If they can not substantiate the data with concrete evidence, they must promptly correct or delete it. Failure to do so is a clear violation of federal law. 15 U.S. Code 1666b Billing Error Rules on Timing Creditors may not legally report a late payment unless they can prove that billing statements were delivered at least 21 days before the due date. If this was not followed by XXXX, the resulting delinquency entry is illegally placed and must be removed immediately. 15 U.S. Code 1681i ( a ) Duty of Reinvestigation The credit bureaus are required to complete a reinvestigation within 30 days of receiving my dispute. If the reported late payment can not be verified, it must be deleted from my report. XXXX to Me as a Consumer : These violations have caused : Damage to my credit score Loss of credit opportunities Financial harm Mental and emotional distress
Frequently Asked Questions
What is Complaint #13985925 about?
Complaint #13985925 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 2025-06-09T12:00:00-05:00.
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.