Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14585485
Complaint Overview
Complaint ID: 14585485
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 32751
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
In XX/XX/XXXX, I mailed a dispute letter to TransUnion regarding inaccurate reporting on a charged-off XXXX XXXX credit card account with a balance of {$18000.00}. The account was closed in XX/XX/XXXXXXXX by the credit grantor, yet TransUnion continues to report the account with serious inaccuracies. Specifically : TransUnion reports the account as In Collections/Charge-Off and continues to show derogatory status or delinquency monthly through XXXX, despite the charge-off occurring in XXXX. The full balance is listed as past due, which is false, as the account has been written off and no longer generates monthly statements. The monthly payment field is left blank instead of being updated to {$0.00}, which is required under Metro 2 for charged-off accounts. There is no Date of First Delinquency ( DoFD ) shown, violating FCRA 605 ( c ). This inaccurate and incomplete reporting creates the false impression of ongoing missed payments and damages my credit standing.
Frequently Asked Questions
What is Complaint #14585485 about?
Complaint #14585485 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. 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.