Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15190342
Complaint Overview
Complaint ID: 15190342
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: XXXXX
Date Received: 2025-08-09T12:00:00-05:00
Date Sent to Company: 2025-08-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against TransUnion for reporting an inaccurate Late 30 Days notation on my credit file for XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX, reported on XX/XX/year>. This reporting violates my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 and 6802, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under 6801, financial instit utions must protect the confidentiality of my nonpublic personal information. My late payment history is private and nonpublic. Under 6802, financial institutions may not disclose nonpublic personal information to nonaffiliated third parties without proper notice and the opportunity to opt out. I never received such notice, nor did I give written consent for this late payment to be furnished to TransUnion. I formally disputed this item with TransUnion and requested deletion unless they could provide : 1. Proof of my written authorization to disclose the late payment to them. 2. A copy of the privacy notice and opt-out opportunity provided to me. To date, TransUnion has not provided the required documentation and has failed to remove the late payment. This inaccurate and unauthorized reporting has harmed my credit profile and financial standing.
Frequently Asked Questions
What is Complaint #15190342 about?
Complaint #15190342 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-09T12:00:00-05:00.
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.