Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14321006
Complaint Overview
Complaint ID: 14321006
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 information incorrect
State: Pennsylvania
ZIP Code: 19082
Date Received: 2025-06-26T12:00:00-05:00
Date Sent to Company: 2025-06-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the reporting of a XXXX XXXX installment loan ( Account # : XXXX ) that shows multiple inaccuracies on my credit reports. The account was opened on XX/XX/XXXX, and is currently reported as charged off by all three credit bureaus ( TransUnion, XXXX XXXX XXXX ), with a balance of {$9000.00}. However, the following issues exist : Late payments are reported after the charge-off ( from XXXX through XX/XX/XXXX ), which is misleading and potentially a violation of the Fair Credit Reporting Act ( FCRA ). Once an account is charged off, new delinquencies should not continue to be added. The delinquency timeline appears too early and aggressive. The account was opened in XX/XX/XXXX, but is reported as being XXXX days late by XX/XX/XXXX and XXXX days late by XX/XX/XXXX. This suggests missed payments just weeks after origination, which seems questionable and may be inaccurate. There are inconsistencies between the credit bureaus, with some reporting profit and loss write-off, charge-off, and " CO '' or XXXX days differentlyviolating FCRAs requirement for accurate and consistent information across agencies. I never received proper notice of the charge-off or validation of the debt, and I believe the balance reported may not be accurate or verified. These issues are harming my credit score unfairly and may represent violations of FCRA 1681e ( b ), 1681s-2, and 1681i, which require accurate, verifiable, and fair credit reporting practices.
Frequently Asked Questions
What is Complaint #14321006 about?
Complaint #14321006 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 2025-06-26T12:00:00-05:00.
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.