Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15418225
Complaint Overview
Complaint ID: 15418225
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: 33071
Date Received: 2025-08-20T12:00:00-05:00
Date Sent to Company: 2025-08-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing in regard to the above-referenced account being reported on my credit file. After reviewing my credit report through XXXX XXXX and TransUnion, I noticed that the account is currently being reported as Charge-Off / Derogatory with a balance of {$280.00}, despite being closed on XX/XX/year>. I respectfully request an immediate investigation of this account as I believe the current reporting may be inaccurate and inconsistent with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically : 1. The account reflects a profit and loss write-off and dispute resolved by grantor, which raises concerns regarding accuracy and completeness. 2. The balance of {$280.00} appears to still be reported against my credit, despite the account being closed and charged off more than five years ago. 3. The payment history reflects continuous derogatory marks well beyond the date of closure, which could be considered inaccurate or misleading. Because the information reported is damaging and potentially incomplete, I am requesting the following under the FCRA : Verification of this account : Please provide proper documentation proving that the debt is accurate, valid, and legally enforceable. Correction or deletion : If you can not verify the accuracy of the reported details, I request that this derogatory account be removed entirely from my credit report with all credit reporting agencies. This letter serves as my formal dispute and request for deletion in accordance with my rights under the FCRA. Please complete your investigation within the required 30-day timeframe and provide me with a written response.
Frequently Asked Questions
What is Complaint #15418225 about?
Complaint #15418225 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 2025-08-20T12:00:00-05:00.
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.