Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14343603
Complaint Overview
Complaint ID: 14343603
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: 95307
Date Received: 2025-06-27T12:00:00-05:00
Date Sent to Company: 2025-06-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against XXXX XXXXXXXX XXXX for the improper handling of my secured credit card account. Prior to my arrest on XX/XX/year>, I had a secured credit card with a \ {$500.00} deposit, which I maintained in good standing. I paid the balance down in advance, and at the time of my incarceration, there was only a small remaining balance. Due to my incarceration, I was unable to make further payments. However, instead of applying the \ {$500.00} security deposit to the remaining balance as required under a secured credit card agreement, XXXX XXXX XXXX charged off the account and is reporting a balance still owed, while keeping the deposit. This is not permitted. The deposit is meant to be used to cover any unpaid charges. Retaining the deposit while also reporting a charge-off with a balance owed is unfair, deceptive, and a likely violation of the Fair Credit Reporting Act and Truth in Lending Act. I am requesting that XXXX XXXX XXXX immediately apply the deposit to the balance, remove any remaining amount reported as owed, delete the negative credit reporting, and send written confirmation that the issue has been resolved. If this is not corrected, I will consider pursuing legal action for the financial harm and damage to my credit.
Frequently Asked Questions
What is Complaint #14343603 about?
Complaint #14343603 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 2025-06-27T12:00:00-05:00.
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.