Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15735719
Complaint Overview
Complaint ID: 15735719
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: Texas
ZIP Code: 77020
Date Received: 2025-09-04T12:00:00-05:00
Date Sent to Company: 2025-09-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding an inaccurate collection account currently appearing on my TransUnion credit report. The account is reported by XXXX for the original creditor XXXX XXXX XXXX XXXX XXXX Prime, account number XXXXXXXX XXXX XXXX with a balance of {$5900.00}. My concern is that this account is being reported only by TransUnion. I have already filed disputes with XXXX XXXX XXXX, and both of those credit bureaus deleted this account from my reports. If two of the three major credit bureaus determined that this account should not be reported, then it is inconsistent and unfair for TransUnion to continue reporting it. Upon reviewing the reporting details, I also noticed discrepancies in the reported dates, which suggest the account may have been re-aged. This is a violation of FCRA 623 ( a ) ( 5 ), which prohibits furnishers from altering or misreporting the Date of First Delinquency to make an account appear more recent than it truly is. Such reporting is misleading and materially impacts the accuracy of my credit file. In addition, I have never received proper validation of this debt from the collector despite my request. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), debt collectors must provide debt validation upon request. Since the collector has failed to provide validation, this debt should not be reported at all. Continuing to report an unvalidated debt is an unfair practice under FDCPA 808 ( 15 U.S.C. 1692f ).
Frequently Asked Questions
What is Complaint #15735719 about?
Complaint #15735719 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 2025-09-04T12:00:00-05:00.
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.