Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14321097
Complaint Overview
Complaint ID: 14321097
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: 75063
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 submitting a formal complaint regarding inaccurate late payments reported on my credit profile by XXXX XXXXXXXX XXXX ( XXXX, Dates reported : XX/XX/XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX Tx XXXX, Reporting : All three bureaus ), XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX, NV XXXX. Reporting : All three Bureaus ), XXXX XXXX XXXX ( Acct : XXXX, Dates reported : XXXX ; Address : XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX : All three Bureaus ). These reported delinquencies are either factually incorrect or do not belong to me. Despite previous efforts to resolve this matter directly with the creditor and through disputes filed with the credit reporting agencies, the inaccurate information remains on my credit report. This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Under the FCRA, consumers have the right to dispute any inaccurate or incomplete information, and furnishers of information are legally obligated to conduct a reasonable investigation and correct or delete any unverifiable or inaccurate data. Additionally, if the creditor is reporting this information without proper documentation or continues to report it after being notified of its inaccuracy, it may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, which prohibits misleading and unfair reporting or collection practices. These inaccurate late payment entries are causing unwarranted damage to my credit profile. I respectfully request that the CFPB investigate this matter further and ensure that the creditor either provides verifiable proof of the alleged late payments or corrects/removes the inaccurate information immediately. If this can not be verified I demand that these payments be updated to paid on time immediately.
Frequently Asked Questions
What is Complaint #14321097 about?
Complaint #14321097 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 2025-06-26T12:00:00-05:00.
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.