Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012995
Consumer Claims Inaccurate Late Payment Reported Despite Timely Payments
Complaint Overview
Complaint ID: 15012995
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: Texas
ZIP Code: 76133
Date Received: 2025-07-31T12:00:00-05:00
Date Sent to Company: 2025-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect information on a credit report, such as a wrongly reported late payment, can negatively impact a consumer's credit score and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Billing error
AI Analysis
CFPB complaint 15012995 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer disputes an incorrect late payment on their credit report, asserting it was paid as agreed and constitutes a billing error under TILA. The complaint was received on July 31, 2025 from Texas. The company responded with "Closed with explanation".
Consumer Narrative
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.
What You Should Do -- Consumer Action Plan
Consumers should dispute any inaccurate information on their credit reports directly with the credit bureau and the furnisher of the information, providing supporting documentation.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus and furnishers to investigate disputes of inaccurate information in a timely manner.
Regulatory Insight
Credit furnishers must ensure the accuracy of information reported to credit bureaus, and failure to do so can result in regulatory action.
Resolution Likelihood
likely
State-Specific Consumer Protections
Texas consumers are protected by state laws that may offer additional rights regarding credit reporting and dispute resolution.
Industry Comparison
This is a common issue in the credit reporting industry, where errors in account status reporting can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15012995 about?
CFPB complaint 15012995 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 31, 2025.
Which company is complaint 15012995 filed against?
Complaint 15012995 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC.. You can view all complaints against this company on their profile page at /company/transunion-intermediate-holdings-inc.
What was the company's response to complaint 15012995?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15012995 filed?
Complaint 15012995 was received by the CFPB on July 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 31, 2025.
What state was complaint 15012995 filed from?
Complaint 15012995 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 15012995?
Dispute information is not available for complaint 15012995.
What product category is complaint 15012995 about?
Complaint 15012995 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 15012995 submitted?
Complaint 15012995 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 15012995?
The Fair Credit Reporting Act (FCRA) requires credit bureaus and furnishers to investigate disputes of inaccurate information in a timely manner. This relates to a Credit reporting or other personal consumer reports complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Incorrect information on your report".
How likely is complaint 15012995 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 15012995?
This complaint is rated as medium risk. Incorrect information on a credit report, such as a wrongly reported late payment, can negatively impact a consumer's credit score and ability to obtain credit.
What regulatory actions apply to complaint 15012995?
Credit furnishers must ensure the accuracy of information reported to credit bureaus, and failure to do so can result in regulatory action. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 15012995?
Consumers should dispute any inaccurate information on their credit reports directly with the credit bureau and the furnisher of the information, providing supporting documentation.
Are there state-specific protections for complaint 15012995?
Texas consumers are protected by state laws that may offer additional rights regarding credit reporting and dispute resolution. This complaint was filed from Texas.
How does complaint 15012995 compare to industry norms?
This is a common issue in the credit reporting industry, where errors in account status reporting can lead to significant consumer harm.
What is the typical timeframe for a credit bureau to investigate a dispute under the FCRA?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, with a possible extension to 45 days if the consumer provides additional information within that initial period.
What specific actions can a consumer take if the credit bureau or furnisher fails to resolve the dispute?
If a dispute is not resolved satisfactorily, a consumer can file a complaint with the CFPB, their state Attorney General, or potentially pursue legal action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.