Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15933060
Complaint Overview
Complaint ID: 15933060
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Virginia
ZIP Code: 22306
Date Received: 2025-09-14T12:00:00-05:00
Date Sent to Company: 2025-09-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the accuracy of the following account being reported on my credit file : Account Name/Number : [ XXXX ]/ XXXXXXXX XXXX XXXX XXXX XXXX This account must be deleted immediately due to the following errors and violations of the Fair Credit Reporting Act ( FCRA ) : 1. The account is reported as Paid, yet it also reflects a Charge-off/Collection status. An account can not be both paid and charged off at the same time. This is contradictory, inaccurate, and misleading. 2. Experians comment states Unpaid balance reported as a loss, even though the account shows a {$0.00} balance and status of Paid. This is factually false and constitutes inaccurate reporting. 3. The payment history shows continuous charge-off notations every month for multiple years. A charge-off is a one-time event and may not be reported repeatedly. This practice is considered re-aging, which is strictly prohibited under the FCRA. These reporting errors violate 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum accuracy in reporting. Since the account contains multiple factual inaccuracies and prohibited reporting practices, I demand its complete deletion from my credit file with all three bureaus.
Frequently Asked Questions
What is Complaint #15933060 about?
Complaint #15933060 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-14T12:00:00-05:00.
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.