Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15481360
Complaint Overview
Complaint ID: 15481360
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: Information belongs to someone else
State: Florida
ZIP Code: 33173
Date Received: 2025-08-23T12:00:00-05:00
Date Sent to Company: 2025-08-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint to dispute several accounts and inquiries being reported on my credit file. These items are inaccurate, unverifiable, or reported in violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I am exercising my rights under federal law to have them investigated and permanently removed. The account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} XXXX XXXX is being reported as late/closed. Under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), I have the right to dispute any information on my credit report that I believe to be inaccurate or unverifiable. Since the balance reflects {$0.00} and there is no basis for continued derogatory reporting, this item must be removed immediately. I also dispute the charge-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a balance of {$1600.00} XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) with a balance of {$960.00} XXXX XXXX For debts over {$600.00}, creditors are required to issue IRS XXXX XXXX upon cancellation. Since no such form has ever been provided to me, the continued reporting of these accounts is invalid and unlawful. Furthermore, the accounts listed as charge-offs by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are obsolete, unverifiable, and must be deleted in accordance with FCRA 605 ( a ), 15 U.S.C. 1681c, which restricts the reporting of certain negative information beyond the permissible time limits. In addition, the following collection accounts are the result of identity theft. I have the right to request that any information resulting from identity theft in accordance with FCRA 605B / 15 U.S.C. 1681c-2 ). Please be blocked from my file. I am requesting that these collections be permanently deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} Lastly, there are multiple hard inquiries on my report that were made without my authorization or any permissible purpose under the law FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q. it is unlawful to obtain a report under false pretenses. Since I did not authorize these inquiries, they must be removed. Inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Frequently Asked Questions
What is Complaint #15481360 about?
Complaint #15481360 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 2025-08-23T12:00:00-05:00.
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.