Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15890392
Complaint Overview
Complaint ID: 15890392
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 York
ZIP Code: 11219
Date Received: 2025-09-11T12:00:00-05:00
Date Sent to Company: 2025-09-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute XXXX XXXX Credit Card ( Charge-Off / Profit & Loss Write-Off Reporting ) To TransUnion, Experian, and Equifax and XXXX XXXX XXXX I am formally disputing the XXXX XXXX credit card tradeline currently appearing on my credit reports. The reporting is inaccurate, contradictory, and unverifiable. I demand either a full correction or the immediate removal of this tradeline across all credit bureaus. XXXX. Manipulated and Backdated Delinquency XXXX has repeatedly altered the reported first delinquency date.... first XXXX, then XXXX, and now XXXX. These retroactive changes appear deliberately designed to accelerate a charge-off prior to XXXX transfer of its credit card portfolio to XXXX XXXX XXXX Such manipulation is misleading, prejudicial, and violates the FCRAs requirement of consistent and accurate reporting. XXXX. Contradictory Status Reporting The account is simultaneously listed as : Charge-Off Profit and Loss Write-Off 120+ Days Late ... to 180+ days with Balance Due These statuses can not logically coexist. An account can not be both written off and still accrue delinquency. This dual reporting is inconsistent and materially misleading. XXXX. Profit and Loss Write-Off Without Clarification If XXXX has reported this account as a profit and loss write-off, then one of two things must be true : If the debt has been canceled or forgiven, XXXX must issue a Form 1099-C to me and to the IRS as required by law. If the debt has been sold or transferred, XXXX can not continue reporting a balance, and only the new owner may lawfully report the debt. To date, XXXX has failed to provide any such clarification. XXXX. Incomplete and Inconsistent Bureau Reporting ( every credit bureau seems to be reporting differently and w erroneous information each in its own way ) XXXX reporting is not even consistent across bureaus. Some bureaus show charge-off ; others are in dispute ; still others omit critical remarks. This violates the FCRA requirement that credit information furnished to all bureaus must be complete and accurate.
Frequently Asked Questions
What is Complaint #15890392 about?
Complaint #15890392 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 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.