Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15627560
Complaint Overview
Complaint ID: 15627560
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: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Texas
ZIP Code: 75160
Date Received: 2025-08-30T12:00:00-05:00
Date Sent to Company: 2025-08-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TransUnion is reporting inaccurate information regarding an account with XXXX XXXX XXXX. According to my credit file, the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. Despite the closure, TransUnion continues to report monthly charge-off activity through XX/XX/XXXX. This is more than XXXX years after the account was closed, which is inconsistent and misleading. The payment history from XXXX through XXXX shows no data across multiple months, yet derogatory charge-off codes were later added. Additionally, TransUnion reports a high balance of {$1600.00} between XX/XX/XXXX and XX/XX/XXXX, even though the account has been closed since XX/XX/XXXX. It is not possible for balances or activity to occur years after closure. Remarks such as PRL< and CBG/> appear in the file. These codes are nonsensical to consumers and indicate either data corruption or unverifiable information. No valid contact number for the creditor is provided.
Frequently Asked Questions
What is Complaint #15627560 about?
Complaint #15627560 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 2025-08-30T12:00:00-05:00.
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.