Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15593155
Complaint Overview
Complaint ID: 15593155
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: Texas
ZIP Code: 77449
Date Received: 2025-08-28T12:00:00-05:00
Date Sent to Company: 2025-08-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have one or more accounts on my credit report that were previously charged off, but I have since paid them in full. However, they are still reporting as Charged Off while also showing Paid in Full or Closed. This dual reporting is misleading. Although I have satisfied the debt, the presence of the Charged Off label may make it appear that I still have unresolved defaults, which could negatively affect how lenders view my creditworthiness. I believe this reporting is inaccurate and does not fairly reflect my current standing. I am attaching a copy of my credit report highlighting the accounts in question. OVERVIEW XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNT STATUS Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type XXXX Original Creditor Name - Months Reviewed 31 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY BALANCE AND AMOUNTS Balance {$0.00} Credit Limit {$500.00} High Credit - Available Credit {$500.00} ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX COMMENTS AND CONTACT CONSUMER DISPUTES REINVESTIGATION IN XXXX For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX OVERVIEW XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNT STATUS Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type CREDIT_CARD Original Creditor Name - Months Reviewed 45 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - BALANCE AND AMOUNTS Balance {$0.00} Credit Limit {$200.00} High Credit - Available Credit {$200.00} ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX COMMENTS AND CONTACT CONSUMER DISPUTES REINVESTIGATION IN PROGRESS For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX OVERVIEW XXXX XXXX XXXX CLOSED ACCOUNT STATUS Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type CREDIT_CARD Original Creditor Name - Months Reviewed 19 Activity Designator TRANSFER_OR_SOLD Terms Frequency - Term Duration - Purchased From - Sold To XXXX XXXX XXXX BALANCE AND AMOUNTS Balance {$0.00} Credit Limit - High Credit - Available Credit - ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XXXX XXXX, XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX COMMENTS AND CONTACT CHARGED OFF ACCOUNT ACCOUNT TRANSFERRED OR SOLD CREDIT CARD For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CLOSED ACCOUNT STATUS OVERVIEW Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type SECURED_CREDIT_CARD Original Creditor Name - Months Reviewed 12 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - BALANCE AND AMOUNTS Balance {$0.00} Credit Limit {$500.00} High Credit {$570.00} Available Credit {$500.00} ACCOUNT DATES Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency - COMMENTS AND CONTACT CLOSED OR PAID ACCOUNT/XXXX BALANCE SECURED CREDIT CARD For questions regarding this account please contact : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Frequently Asked Questions
What is Complaint #15593155 about?
Complaint #15593155 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 2025-08-28T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.