Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14112647
Complaint Overview
Complaint ID: 14112647
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: California
ZIP Code: 95205
Date Received: 2025-06-16T12:00:00-05:00
Date Sent to Company: 2025-06-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit XXXX XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information currently reported on my credit file regarding an account from XXXX XXXX XXXX XXXX I request a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, for the following reasons : 1. Incorrect Account Type - Should Be Secured : The account is being reported as " Unsecured, '' however, the original signed contract clearly states that the loan is " Secured, '' with a security interest in consumer goods. Please see the attached signed contract for verification. 2. Incorrect Account Status - Charged-Off Account Listed as Open : The account was charged off as of XX/XX/XXXX, and should be listed as " Closed - Charged Off, '' not " Open. '' This misreporting is misleading and damaging to my credit profile. Requested Action : - Update the account type to reflect " Secured. '' - Update the account status to " Closed - Charged Off. '' - Remove or correct any unverifiable or inaccurate data within 30 days per the FCRA. Please notify me in writing once the investigation is complete and provide an updated copy of my credit report reflecting these changes. Sincerely, XXXX XXXX XXXX XXXX Attachments : - Copy of XXXX XXXX XXXX contract - Screenshots of Experian credit report - Copy of government-issued ID ( optional )
Frequently Asked Questions
What is Complaint #14112647 about?
Complaint #14112647 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 2025-06-16T12:00:00-05:00.
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.