Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15834603
Complaint Overview
Complaint ID: 15834603
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: Florida
ZIP Code: 33162
Date Received: 2025-09-09T12:00:00-05:00
Date Sent to Company: 2025-09-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute inaccurate information that you are furnishing to the credit reporting agencies regarding my account listed above. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure that all information reported is accurate and complete. The following inaccuracies are present in your reporting of this account : 1. Account Closure vs. Ongoing Activity The account is reported as 'closed at creditors request ' in XX/XX/XXXX, yet you continue to furnish ongoing charge-off notations months after closure, which is inaccurate. 2. Impossible Credit Utilization The balance is reported as {$4700.00} against a credit limit of {$4000.00}, resulting in over 100 % utilization, which is not possible. 3. Conflicting Status Update Dates The account shows 'status updated ' as XX/XX/XXXX, but payment history reflects derogatory notations well into XXXX, which is contradictory. 4. Past Due Reporting After Charge-Off The account is marked as charged off, but also shows a past due amount of {$4700.00}. Once charged off, 'past due ' should no longer continue to accrue. 5. Last Payment Conflict The last payment is reported as XX/XX/XXXX, yet derogatory reporting continues beyond that date, which misrepresents account activity. Because of these inaccuracies, I am requesting that XXXX XXXX XXXX immediately : - Investigate the accuracy of the information being furnished. - Correct or delete any inaccurate, incomplete, or unverifiable information. - Provide me written confirmation of the results of your investigation. otherwise delete this account on my credit report if they can not give accurate report to credit bureaus.
Frequently Asked Questions
What is Complaint #15834603 about?
Complaint #15834603 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 2025-09-09T12:00:00-05:00.
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.