Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15781152
Complaint Overview
Complaint ID: 15781152
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: Virginia
ZIP Code: 22191
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
To Whom It May Concern, I am writing to dispute the accuracy and completeness of the information being reported on my credit file concerning the account listed as XXXX XXXXXXXX XXXX XXXX The account is reported as a charge-off with a past due balance of {$470.00} as of XX/XX/year>. This reporting is inaccurate, unverifiable, and misleading for the following reasons : Incomplete and Misleading Status The account is marked as both charged off and past due with a balance owed. A charge-off is considered a closed account ; therefore, it can not simultaneously be reported as an open delinquent account with a past due amount. Reporting it this way creates a double penalty and misrepresents my financial liability. Failure of Verification Obligations Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), the consumer reporting agency is required to conduct a reasonable reinvestigation of disputed information. Unless XXXX XXXX XXXX can provide competent documentary evidence ( such as the original signed contract, full payment history, and chain of title proving ownership and authority to report this debt ), the account must be deleted. Violation of Accuracy Requirements The FCRA ( 15 U.S.C. 1681e ( b ) ) requires Experian to follow reasonable procedures to assure maximum possible accuracy of reported information. Reporting contradictory information ( charge-off and past due balance ) violates this standard. XXXX XXXX This inaccurate entry is lowering my credit standing and causing unwarranted harm. The continued reporting of unverifiable and inaccurate information places Experian in violation of federal law. Demand for XXXX I hereby demand that this account be deleted from my credit file immediately unless the furnisher can produce complete, verifiable documentation proving the accuracy of every element of this account. Simply parroting data from a furnisher does not satisfy reinvestigation duties under the FCRA. Please provide me with written confirmation of your deletion or the specific documentation used to verify the account within 30 days, as required by law. Failure to comply will leave me no choice but to pursue remedies available under the FCRA, including statutory damages, attorneys fees, and costs.
Frequently Asked Questions
What is Complaint #15781152 about?
Complaint #15781152 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.