Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15781036
Complaint Overview
Complaint ID: 15781036
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: Georgia
ZIP Code: 30034
Date Received: 2025-09-07T12:00:00-05:00
Date Sent to Company: 2025-09-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I disputed this account via certified letters sent XX/XX/XXXX and XX/XX/XXXX, including ID and proof of address. XXXX XXXX has never mailed a proper validation package. Instead, correspondence was sent to XXXX XXXX XXXX XXXX, XXXX XXXX not my address. My business/employment address is XXXX XXXX. The use of the wrong suite obstructed delivery and prevented me from receiving any meaningful validation. Violations & Issues Failure to Validate No validation package was mailed within 30 days of my certified disputes. The use of the wrong suite number meant any attempted validation never reached me, making the process defective. This violates both the FDCPA ( 15 U.S.C. 1692g ) and FCRA. Re-Aging Across Bureaus TransUnion updated this account on XX/XX/XXXX as past due, despite previously reporting the account as deleted. Experian shows the account past due as of XX/XX/XXXX. Equifax updated the account on XX/XX/XXXX, again showing it as past due. These rolling updates artificially extend delinquency and damage my score prohibited under the FCRA. Conflicting & Inaccurate Reporting Each bureau shows different balances, statuses, and dates. This demonstrates a lack of reasonable procedures to ensure accuracy. Statutory Violations 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation. 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. 15 U.S.C. 1681s-2 Furnishing information known to be inaccurate. 15 U.S.C. 1692g Failure to validate debt. Harm Caused Damaged credit score due to re-aging. Inability to access financing on fair terms. Stress, confusion, and wasted resources tracking disputes obstructed by wrong address errors.
Frequently Asked Questions
What is Complaint #15781036 about?
Complaint #15781036 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 2025-09-07T12:00:00-05:00.
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.