Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14353294
Complaint Overview
Complaint ID: 14353294
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: Florida
ZIP Code: 32812
Date Received: 2025-06-28T12:00:00-05:00
Date Sent to Company: 2025-06-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
his XXXX account was opened in XX/XX/year> and had a small limit ( {$750.00} ) designed to help improve credit. I encountered financial hardship and missed payments, and the account was ultimately charged off with a remaining balance of {$45.00} and {$30.00} past due. However, there are several discrepancies across the XXXX bureaus : Equifax reports a credit limit of {$0.00}, which is incorrect and unfairly affects my utilization ratio. Experian shows a high credit of {$0.00}, which is inaccurate since the reported balance exceeded that. Payment history timelines and last activity dates are inconsistent between all three bureaus. I was never notified of a formal charge-off nor offered a resolution option. This debt is small, and Im willing to settle it in good faith if necessary.
Frequently Asked Questions
What is Complaint #14353294 about?
Complaint #14353294 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 2025-06-28T12:00:00-05:00.
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.