Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012645
Complaint Overview
Complaint ID: 15012645
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 status incorrect
State: Florida
ZIP Code: 33021
Date Received: 2025-07-31T12:00:00-05:00
Date Sent to Company: 2025-07-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing inaccurate late payments and a charge-off reported by XXXX XXXX on my credit report. My loan was paid in full in six scheduled payments, all made on time. After my final payment, I was never notified of any remaining balance. Later, the bank reported very small balances of {$0.00}, {$0.00}, and {$0.00}, which were never invoiced or disclosed, and used those amounts to mark my account as 30, 60, and 90 days late, followed by a charge-off. I contacted the company, and they acknowledged these were interest charges, but they should have been included in the agreed six-payment plan. No bill or notice was ever provided for these amounts. This inaccurate reporting has severely damaged my credit score and delayed my mortgage process. I am requesting that all inaccurate late payments and the charge-off be removed from my credit report. Supporting documentation showing all payments on time is attached.
Frequently Asked Questions
What is Complaint #15012645 about?
Complaint #15012645 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 2025-07-31T12:00:00-05:00.
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.