Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14654106
Complaint Overview
Complaint ID: 14654106
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New Mexico
ZIP Code: 88011
Date Received: 2025-07-14T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
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I am writing to formally dispute inaccurate and potentially outdated information being reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. The following account reflects derogatory marks that I believe are inaccurate or unverifiable and should be removed : Creditor Name : XXXX XXXX, XXXX Account Type : Charge Account Account Status : Closed ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Reported Balance : {$0.00} XXXX XXXX : {$2500.00} Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Payment Status : 90119 Days Late ( as of last report on XX/XX/XXXX ) Why This Needs Correction : The account is currently marked as Derogatory with XXXX day delinquency, despite having a {$0.00} balance and being closed in XX/XX/XXXX. Additionally, the severity and timing of the reported delinquencies seem inconsistent with the accounts history of 87 % on-time payments and may be a result of reporting error or system lag. Under the FCRA, you are required to ensure that all data reported on a consumers file is accurate, complete, and verifiable ( 15 U.S.C. 1681e ( b ) ). If the creditor ( XXXX XXXX, XXXX ) can not provide proof of these alleged delinquencies including payment schedules, due dates, and a complete account activity log then this derogatory data must be removed or corrected. Therefore, I request that you : Initiate a formal reinvestigation of the XXXX XXXX payment history with XXXX XXXX, XXXX. Remove the derogatory marks if they can not be fully verified. Provide written confirmation of the outcome of your investigation within 30 days, as required by law.
Frequently Asked Questions
What is Complaint #14654106 about?
Complaint #14654106 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-07-14T12:00:00-05:00.
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.