Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14353502
Complaint Overview
Complaint ID: 14353502
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: Michigan
ZIP Code: 485XX
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
I am writing to formally dispute inaccuracies in my Equifax credit report related to the account listed under XXXX XXXX XXXX. After reviewing my report, I noticed several discrepancies that I believe require immediate correction. Account in Question : Creditor Name : XXXX Card Services Balance Reported : {$620.00} Credit Limit : {$500.00} Credit Utilization : 125 % Reported Delinquency : 30, 60, and 90 days past due ( XXXXXXXX XXXX ) Bureau Reporting : Equifax only I believe the information being reported is either outdated, misrepresented, or does not reflect the true payment history of this account. Additionally, I do not recall granting explicit authorization for this information to be reported in its current state, which may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request that you verify the accuracy and legal basis for including this information. Furthermore, reporting information to a credit bureau without my explicit consent particularly if the debt is invalid or inaccurately represented may be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I never authorized the reporting of this account in its current form, and I insist that you verify both the legitimacy of the debt and your legal authority to report it.
Frequently Asked Questions
What is Complaint #14353502 about?
Complaint #14353502 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.