Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14113340
Complaint Overview
Complaint ID: 14113340
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 writing to respectfully request assistance regarding my XXXX XXXX credit account ( Account # : XXXX * * * * ), which is currently reporting to both TransUnion and Equifax. While this account is now in good standing and reflects a {$0.00} balance with a current payment status, I would like to ask for a review and possible removal of the late payments reported during XXXX and early XXXX. As outlined in my credit report : I had a few late payments in XXXX, XXXX, and XX/XX/XXXX, and again in XXXX and XX/XX/XXXX, reported as XXXX or 60 days past due. However, I have worked diligently to bring the account current and have consistently made on- time payments since then, with a solid and improving payment pattern now clearly reflected in the most recent history. Given my recent performance and the efforts Ive made to restore my account, I am kindly asking that the Consumer Financial Protection Bureau consider facilitating a goodwill adjustment or correction to remove these older late payment notations. I understand that creditors and furnishers are not required to remove accurate information, but the FCRA also supports fairness and the reporting of complete and updated information. I believe this request aligns with the intent of the Fair Credit Reporting Act to promote accuracy, and I hope my recent positive history will be taken into account. Ive included supporting documentation for your reference, including a copy of my credit report and identification. Thank you for your time, consideration, and for supporting consumers striving to improve their creditworthiness. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14113340 about?
Complaint #14113340 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.