Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14112995
Complaint Overview
Complaint ID: 14112995
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: Mississippi
ZIP Code: 39759
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
I am submitting this formal complaint regarding an inaccurate collection account that is currently being reported by both Equifax and TransUnion, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account is reported as follows : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX * * Date Opened : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( TransUnion ) Balance : {$8300.00} Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( Equifax ) XXXX XX/XX/XXXX ( TransUnion ) Comments : Consumer disputes this account information. Subject has not satisfied debt. Reinvestigation in progress. This account is inaccurate for multiple reasons : 1. 2. 3. The dates reported vary between bureaus, and the reporting includes future-dated information ( XX/XX/XXXX ) which is not only inaccurate but impossible as of todays date. I have already disputed this account, and yet the furnishers continue to report it without providing proper documentation or validation as required under FCRA 1681i. The continued reporting of unverifiable and inaccurate information violates my rights under FCRA 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of information contained in consumer reports. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action to ensure that this account is removed from my credit report due to its unverifiable and inconsistent nature.
Frequently Asked Questions
What is Complaint #14112995 about?
Complaint #14112995 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 2025-06-16T12:00:00-05:00.
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.