Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15130928
Complaint Overview
Complaint ID: 15130928
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 31907
Date Received: 2025-08-06T12:00:00-05:00
Date Sent to Company: 2025-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) and the credit bureaus who are reporting an inaccurate and unresolved charge-off on my credit file. This situation has caused significant harm to my credit and financial standing. Background and Issues : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account Charge-Off : The XXXX account was reported as charged off in XX/XX/XXXX. The account was originally opened in XX/XX/XXXX, but the account was closed in XXXX due to a financial hardship. After the charge-off, I disputed the account with the credit bureaus, who initially validated this inaccurate information despite clear errors. XXXX Falsely Verified Information : The credit bureaus ( TransUnion, Experian, and Equifax ) falsely reported the account as verified after I raised disputes in XXXX, without addressing critical inaccuracies in the data. These included : Reporting utilization on a closed account. Listing the account as both " past due '' and " charged off, '' which is contradictory. Failing to provide complete or correct payment history data from XXXX. XXXX Impact on My Credit and Financial Health : The inaccurate reporting of the charge-off has caused a severe drop in my credit score, severely limiting my ability to access affordable loans, secure housing, or even apply for credit. These errors have placed me in a financial disadvantage and have affected my overall financial well-being.
Frequently Asked Questions
What is Complaint #15130928 about?
Complaint #15130928 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-08-06T12:00:00-05:00.
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.