Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14030410
Complaint Overview
Complaint ID: 14030410
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: Texas
ZIP Code: 75154
Date Received: 2025-06-11T12:00:00-05:00
Date Sent to Company: 2025-06-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUpon review of my consumer report, I discovered entries that appear to violate 15 U.S. Code 1666(b), which addresses billing errors, including:\n\nThe creditors failure to properly reflect a payment made or credit issued to me.\nAn accounting or computation error on the billing statement.\n\n\nAdditionally, under the Truth in Lending Act (TILA), creditors are required to provide a billing statement at least 21 days before the due date of a payment. To the best of my knowledge, this did not occur. Therefore, the late payment entries are not only incorrect, but also unlawful.\n\nI am requesting an immediate investigation and demand the following:\n\nVerification of the late payment with complete, timestamped documentation.\nCorrection or removal of all inaccurately reported late payments.If verification cannot be provided, these accounts must be updated to reflect Paid as Agreed or removed entirely from my credit report. These are clear billing errors as defined by law, and failure to correct them violates my rights under the Fair Credit Reporting Act and TILA.\n\nIf the inaccurate information is not removed or corrected, I am prepared to seek monetary damages for negligent noncompliance under 15 U.S. Code 1681n (Civil Liability).\n\nPlease consider this your opportunity to resolve this matter swiftly. I expect confirmation of investigation and action taken within 30 days of receipt of this letter.\n\nSincerely,\nMarquis Masters'
Frequently Asked Questions
What is Complaint #14030410 about?
Complaint #14030410 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 2025-06-11T12:00:00-05:00.
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.