Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15103425
Complaint Overview
Complaint ID: 15103425
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: Illinois
ZIP Code: 61761
Date Received: 2025-08-05T12:00:00-05:00
Date Sent to Company: 2025-08-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the accuracy of specific information reported on my credit file regarding a XXXX credit card account. Account Information : Creditor : XXXX Card Account Number : XXXX Current Status : Charge Off / Collection Reported Balance : {$950.00} Account Opened : XX/XX/XXXX Disputed Information : False or Misleading Payment History : Your records reflect late payments as far back as XX/XX/XXXX, including multiple XXXX delinquencies, followed by months marked CC ( Charge-off/Collection ). However, in some parts of the report, the payment history is marked as unavailable or not reviewed ( e.g., Months Reviewed : XXXX or No history available ), while other parts reflect inconsistent and conflicting data ( e.g., Youve made 70 % of payments on time vs. Youve made 24 % of payments on time ). These internal contradictions and lack of full reporting call the validity and accuracy of the payment history into serious question, in direct violation of 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information. Inaccurate Last Activity Date : The last activity date is listed inconsistently : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The law requires accurate reporting of the true date of last activity for statute of limitations and aging purposes under 15 U.S. Code 1681c ( a ). If this activity is not revalidated with legitimate, dated proof ( such as a recent payment, charge, or contact ), then the XX/XX/XXXX date may be illegally re-aging the debt, which is a violation of the FCRA. Requested Action : I am requesting that you : Fully investigate this account with the data furnisher ( XXXX ), including the original source of the last activity date and payment history. Delete any unverifiable or contradictory information, including any false claims of late payment and the re-aged activity date. Provide me with the results of the investigation within the XXXX time frame as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Remove this account entirely if you can not supply sufficient documentation to verify the accuracy of the information. If the bureau or data furnisher fails to verify the disputed data, it must be deleted. Continued reporting of false or unverifiable information may result in complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action under 15 U.S. Code 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). Thank you for your time and prompt attention to this matter. Sincerely,
Frequently Asked Questions
What is Complaint #15103425 about?
Complaint #15103425 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 2025-08-05T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.