Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14585204
Complaint Overview
Complaint ID: 14585204
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: California
ZIP Code: 94560
Date Received: 2025-07-10T12:00:00-05:00
Date Sent to Company: 2025-07-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Investigator, I am writing to formally file a complaint against TransUnion LLC for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) and their refusal to correct or delete inaccurate and unverifiable information from my credit report, despite my timely and detailed disputes. On [ Insert Date ], I submitted a written dispute to TransUnion challenging the accuracy and validity of several accounts currently being reported. These accounts include charge-offs and late payments that do not reflect accurate or verifiable reporting. My dispute letter included clear explanations, applicable legal references, and a request for reinvestigation under FCRA 1681i and 1681s-2. However, TransUnion has either failed to respond adequately or continued to report these items without proper verification. The following accounts were disputed : XXXX XXXX # XXXX This account is inaccurately reporting a late payment on a balance of just {$25.00}. No evidence or billing history was provided to support this derogatory status. XXXX XXXX XXXX XXXX A late payment is being reported on a {$0.00} balance account, which is both inaccurate and misleading. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A charge-off is being reported, but TransUnion failed XXXX provide any verification or documentation to confirm the legitimacy, delinquency timeline, or amount of the charge-off. XXXX XXXX # XXXX This account includes a charge-off with multiple Metro 2 compliance violations, including inconsistencies in the date of first delinquency and the reporting balance. XXXX XXXX XXXX XXXX TransUnion is reporting this as a charge-off but has not validated the debt or provided any notice or documentation to substantiate the claim. XXXX XXXX XXXXXXXX This account is reporting a late payment on a {$0.00} balance, which violates Metro 2 accuracy standards and is misleading to potential lenders. XXXX XXXX XXXX XXXXXXXX This account shows a charge-off, yet lacks accurate date tracking and itemized statements, making verification impossible. Despite my request for a full reinvestigation, TransUnion has failed to delete or correct these entries or provide sufficient evidence to justify continued reporting. This is a clear violation of FCRA 15 U.S.C. 1681i ( reinvestigation of disputes ) and 1681e ( b ) ( reasonable procedures to ensure maximum possible accuracy ). Additionally, their failure to comply with Metro 2 guidelines constitutes inaccurate and incomplete reporting. This inaccurate reporting is damaging my creditworthiness, affecting my ability to obtain credit, housing, and other essential opportunities. I am requesting the CFPBs intervention to hold TransUnion accountable for their failure to follow federal law and industry standards. Relief Requested : Immediate deletion of all inaccurate or unverified accounts listed above A full reinvestigation of each item in accordance with FCRA guidelines A written confirmation of all actions taken Monitoring to ensure TransUnion adheres to its legal obligations moving forward Thank you for your time and attention to this serious matter. I respectfully request swift resolution and enforcement of the protections afforded to me under the Fair Credit Reporting Act.
Frequently Asked Questions
What is Complaint #14585204 about?
Complaint #14585204 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 2025-07-10T12:00:00-05:00.
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.