Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14380632
Complaint Overview
Complaint ID: 14380632
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: South Carolina
ZIP Code: 29229
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because XXXX XXXX XXXXXXXX is inaccurately reporting my account as delinquent to the credit bureaus, despite the fact that I am in an active [ forbearance/payment arrangement ] and have complied fully with the agreed-upon terms. Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Nature of Arrangement : Temporary payment reduction approved on XXXX or XX/XX/XXXX due to financial hardship. ] Current Status : I have made all scheduled payments of {$210.00} as agreed under this arrangement. Despite this, my credit report indicates that I am [ 30- 120+ days late for XX/XX/XXXX- XX/XX/XXXX ], which is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are legally obligated to report only accurate information. Reporting a delinquency while I am current under a valid agreement violates this provision. In addition, Section 4021 of the CARES Act, which amended the FCRA, states that if a borrower receives a payment accommodation ( such as forbearance or a modified repayment plan ) due to hardship, and is complying with the terms, the account must be reported as current. The Consumer Financial Protection Bureau ( CFPB ) has also clarified in its XXXX guidance that creditors must not report consumers as delinquent if they are meeting the terms of a hardship agreement.
Frequently Asked Questions
What is Complaint #14380632 about?
Complaint #14380632 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 2025-06-30T12:00:00-05:00.
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.