Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16011579
Complaint Overview
Complaint ID: 16011579
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: Florida
ZIP Code: 32818
Date Received: 2025-09-17T12:00:00-05:00
Date Sent to Company: 2025-09-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the accuracy and completeness of the following accounts being reported on my credit file. These accounts contain contradictory, obsolete, and materially misleading information, which has directly caused me to suffer an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 On XX/XX/year>, I received a formal Adverse Action Notice from XXXXXX/XX/XXXX citing a High level of Charge-offs as the reason for denial of my housing application. This denial was based in part on credit report information from your bureau, showing the serious harm caused by these inaccurate accounts : XX/XX/XXXXXX/XX/XXXXStatus : Collection/Charge-off, despite reporting as Paid / Dispute Resolved. XXXXXX/XX/XXXX Status : Collection/Charge-off, contradictory reporting across bureaus ( TransUnion/Experian = Paid, Equifax = Derogatory ). XX/XX/XXXX Status : Collection/Charge-off, showing {$0.00} balance yet reported as a loss/charge-off after being paid. XX/XX/XXXXStatus : Collection/Charge-off, showing {$0.00} balance yet coded as loss after payment/dispute resolution. XXXXXX/XX/XXXXStatus : Collection/Charge-off, despite being Settled for less than full balance with {$0.00} balance. Inconsistent reporting across bureaus ( TransUnion = Settled ; Equifax = Charge-off/Settlement ; Experian = missing ). Metro 2 Compliance Issues : Paid/settled accounts must not continue to be coded as Collection/Charge-off. Reporting must be uniform and accurate across all CRAs. FCRA 1681e ( b ) : Bureaus must ensure maximum possible accuracy. Contradictory Paid/Settled vs. Charge-off reporting is misleading. FCRA 1681i : I am requesting reinvestigation. These accounts can not be verified as accurate due to internal contradictions. Demonstrable Harm : I have already been denied housing due to these inaccuracies, which constitutes actual harm. I demand the immediate deletion of the above XXXX accounts from my credit file across all three bureaus. Reporting them as Paid/Settled while simultaneously coding them as Charge-off is materially misleading and has directly harmed me. If you can not delete these accounts, please provide the detailed method of verification used, including full documentation from the furnishers, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Thank you for your prompt attention.
Frequently Asked Questions
What is Complaint #16011579 about?
Complaint #16011579 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 2025-09-17T12:00:00-05:00.
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.