Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15924595
Complaint Overview
Complaint ID: 15924595
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 146XX
Date Received: 2025-09-13T12:00:00-05:00
Date Sent to Company: 2025-09-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX reported/transmitted inaccurate and internally inconsistent consumer report data tied to several tradelines ( XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Examples include conflicting Open/Closed and collection/charge-off statuses, duplicate collectible balances for sold-debt, a XXXXAccount label on a credit-card collection, contradictory dates ( DLA/Date Reported ), and inconsistent dispute indicators. I disputed and requested the method of verification ; XXXX did not provide adequate correction or transparent verification. This violates FCRA 1681e ( b ), 1681i, 1681c, 1681b, 1681g ( a ) and fails Metro 2 expectations ( sold-debt handling, proper collection classification, accurate DOFD ). I request a proper reinvestigation ; deletion/correction of unverifiable or misleading data ; the full method of verification ; Metro 2-compliant recording ; an updated disclosure ; and no reinsertion without 1681i ( a ) ( 5 ) notices. I am also requesting a copy of my XXXX XXXX report.
Frequently Asked Questions
What is Complaint #15924595 about?
Complaint #15924595 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-09-13T12:00:00-05:00.
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.