Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15889836
Complaint Overview
Complaint ID: 15889836
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: Pennsylvania
ZIP Code: 19120
Date Received: 2025-09-11T12:00:00-05:00
Date Sent to Company: 2025-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I have called and spoken with and also use their website to try to correct personal information which was not deleted, it was updated. this is inconsistent and incorrect protocol. And using fraudulent activity, misleading activity, and removing the information from my account.. Fair Credit Reporting Act ( FCRA ) The main federal law governing credit reports. Gives you the right to dispute inaccurate or incomplete information on your credit report. Credit Reporting Agencies ( CRAs ) like XXXX, XXXX, and TransUnion must investigate disputes within 3045 days. If information is found to be incorrect or unverifiable, it must be deleted or corrected. You also have the right to a free copy of your credit report annually from each major CRA. 2. Fair and Accurate Credit Transactions Act ( FACTA ) Amended the FCRA. Gives consumers the right to : Obtain a free annual credit report. Place fraud alerts if they suspect identity theft. Dispute errors more easily. Requires creditors and CRAs to truncate account numbers on certain documents to reduce risk of fraud. 3. Equal Credit Opportunity Act ( ECOA ) While focused on preventing credit discrimination, it indirectly affects credit reporting. If a lender reports incorrect information that results from discriminatory practices, it can be challenged under ECOA. 4. Fair Debt Collection Practices Act ( FDCPA ) Applies to debt collectors, not directly to CRAs. However, if a collector reports false or inaccurate debt information to CRAs, you have rights under both the FDCPA and FCRA to dispute it. 5. State Consumer Protection Laws Many states have their own versions of the FCRA. Some states provide additional protections ( e.g., shorter investigation timeframes, more damages if CRAs fail to correct errors ). For example, Californias Consumer Credit Reporting Agencies Act gives enhanced dispute rights. 6. Consumer Financial Protection Bureau ( CFPB ) Rules The CFPB enforces the FCRA and issues regulations. Consumers can file complaints directly with the CFPB if CRAs or creditors fail to correct errors.
Frequently Asked Questions
What is Complaint #15889836 about?
Complaint #15889836 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 2025-09-11T12:00:00-05:00.
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.