Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13986092
Complaint Overview
Complaint ID: 13986092
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 33624
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
XXXX XXXX XXXX XXXX XXXX Warbler Place XXXX, Florida XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Iowa XXXX, IA XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB Representative, I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ). This inaccurate reporting has negatively affected my credit profile, and I am requesting an immediate investigation into this matter. Details of the Disputed Late Payment : Creditor Name : XXXX XXXX XXXX Account Number : # XXXX * * * * * * Date of Alleged Late Payment : XX/XX/XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I, in fact, paid on time. The consumer reporting agencies must ensure all reported information is accurate. I have attached a copy of my report with details of the disputed dates. I request that you investigate this account and update these payments to " Paid On Time '' immediately. Legal Basis for Dispute : Fair Credit Reporting Act ( FCRA ) - XXXX XXXXXXXX XXXX XXXXXXXX I am exercising my right under this section to dispute inaccurate information on my credit file. The reported late payment does not accurately reflect my payment history, and I am requesting a formal investigation and correction. Truth in Lending Act ( XXXX ) - XXXX XXXX XXXX XXXX ( b ) Creditors must provide clear and accurate billing statements to consumers. If this late payment reporting does not align with the terms of my agreement, it constitutes an error that should be rectified immediately. Obligations of Information Furnishers - XXXX XXXX XXXX XXXX Creditors and furnishers must ensure the accuracy of the information reported to credit bureaus. If the creditor can not substantiate the late payment with verifiable documentation, they must remove it from my credit file. Request for Description of Investigation Process : Pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ), credit reporting agencies must provide a description of the investigation process within XXXX days of receiving a consumers dispute. Therefore, I request a detailed explanation of the procedures used to verify this account. If you can not update my payments to " Paid On Time, '' please provide the required information regarding your investigative process. Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. Payment history and any associated late payments negatively impact my report and must be accurate. Requested Actions : Conduct a thorough investigation and provide a written response within XXXX days, as required by law. If the late payment can not be verified, instruct the creditor to update my account status to " Paid As Agreed, Never XXXX. '' Notify XXXX XXXX, and TransUnion to reflect the corrected information on my credit report. Provide a detailed description of the investigation process used to verify this account, as required by law. Final Notice : Failure to properly investigate and correct this inaccurate information may result in further actions, including potential escalation to legal authorities for non-compliance with federal consumer protection laws. I have enclosed copies of all supporting documents related to this dispute. Please acknowledge receipt of this complaint and provide a written update within the legally mandated timeframe. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13986092 about?
Complaint #13986092 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. 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.