Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15781880
Complaint Overview
Complaint ID: 15781880
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 information incorrect
State: New Jersey
ZIP Code: 088XX
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
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX | SSN ( last XXXX ) : XXXX Email : XXXX | Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Account XXXX XXXX, Acct XXXX XXXX Introduction This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., regarding the tradeline reported by XXXX XXXX, Account XXXX XXXXXXXX. This account contains several inconsistencies, inaccuracies, and incomplete data, which violates the duty to ensure maximum possible accuracy under FCRA XXXX ( b ), 15 U.S.C. XXXX ( b ). I further note that disputes submitted via CFPB.gov complaints must be treated as direct disputes under FCRA XXXX ( a ) ( XXXX ), 15 U.S.C. XXXX ( a ) ( XXXX ), meaning you must investigate with the same rigor as if the dispute were submitted directly. Disputed Inaccuracies XXXX. Reported as a Collection Account but Shows {$0.00} Monthly Payment & {$0.00} Past Due TransUnion reports this account as a collection/charge-off. However, the tradeline reflects {$0.00} monthly payment and {$0.00} past due balance. A collection account can not logically show both in collections and {$0.00} due, as this is inconsistent and misleading. This inconsistency violates FCRA XXXX ( b ) ( maximum possible accuracy ). XXXX. Payment Status vs. Payment History Payment Status : Collection/Charge Off. Payment History : Blank ( no grid or data ). If the account was charged off or in collection, there must be a delinquency history leading to that outcome. Reporting the derogatory status without furnishing the underlying payment history is incomplete reporting under FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ). XXXX. Date of Last Payment Blank TransUnion reports the Date of Last Payment as blank. A collection account without a reported last payment date is materially incomplete and potentially misleading to creditors. XXXX. Missing Delinquency History ( XX/XX/XXXX Days Late ) This account is reported as a collection/charge-off, yet TransUnion shows no delinquency history grid ( XXXXday late notations ). A collection or charge-off account, by definition, must be preceded by a period of delinquency. Reporting the end-result derogatory status without the underlying delinquency history is materially incomplete and misleading, in violation of FCRA XXXX ( b ), 15 U.S.C. XXXX ( b ), which requires credit reporting agencies to assure maximum possible accuracy. This omission also undermines the ability of creditors to make fair and accurate lending decisions. Legal Authority FCRA XXXX ( a ) ( XXXX ) ( A ), 15 U.S.C. XXXXi : Requires CRAs to conduct a reasonable reinvestigation of disputed information within XXXX days. FCRA XXXX ( b ) : Requires CRAs to assure maximum possible accuracy in credit reporting. FCRA XXXX ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting incomplete or inaccurate information. FCRA XXXX ( a ) ( XXXX ) : Clarifies that disputes submitted via CFPB.gov are direct disputes and must be investigated accordingly. FCRA XXXX ( a ) ( XXXX ) : Requires furnishers to mark accounts as disputed when applicable. Case Law : XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) CRAs can not merely parrot the furnisher ; they must conduct an independent, reasonable investigation. FTC XXXX XXXX XXXX XXXX XXXX ( XXXX ) Re-aging or misleading reporting violates FCRA. Conditional Method of Verification Request If this account is verified as accurate, I hereby demand the Method of Verification under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). Specifically, provide within XXXX days : The business name, address, and telephone number of each furnisher contacted. A description of the documentation relied upon in verifying this tradeline. This request is made now so the statutory XXXX deadline begins immediately upon any verification. Deadlines XXXX days : Complete reinvestigation and provide written results ( per XXXX ( a ) ( XXXX ) ( A ) ). XXXX days : Provide full Method of Verification following any verification. Preservation of Rights If TransUnion fails to correct or delete this inaccurate account, it will be treated as willful noncompliance under the FCRA. I preserve all rights to pursue remedies through the CFPB, FTC, state regulators, and private litigation, including statutory and actual damages, attorneys fees, and injunctive relief. Respectfully, XXXX XXXX
Frequently Asked Questions
What is Complaint #15781880 about?
Complaint #15781880 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.