Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14870322
Complaint Overview
Complaint ID: 14870322
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: Texas
ZIP Code: 77004
Date Received: 2025-07-24T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
the reporting of multiple late payments on my credit report related to the following account : * Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX * Reported Balance : {$5200.00} According to the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete, accurate, and verifiable [ 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ]. Upon reviewing my report dated XX/XX/XXXX, I have identified five late payments inaccurately or misleadingly reported on this account, including a 120-day delinquency in XXXX XXXX no data being reported for XXXX, XXXX, or XX/XX/XXXX. This inconsistency violates the FCRAs requirement for maximum possible accuracy [ 15 U.S. Code 1681e ( b ) ]. Furthermore, any payment marked as 120 days late must logically be preceded by four consecutive missed payments, which is not reflected on my file. This discrepancy renders the reported delinquencies factually and procedurally incorrect. Additionally, under 15 U.S. Code 1681i ( a ), I formally request that you investigate this account, including each reported late payment ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXX/XX/XXXX ), and remove them if they can not be fully verified with documentation from the furnisher. If XXXX XXXX XXXX is acting in a collection capacity, I also invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). If these debts were disputed and not validated properly, continued reporting is a violation of federal law.
Frequently Asked Questions
What is Complaint #14870322 about?
Complaint #14870322 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 2025-07-24T12:00:00-05:00.
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.