Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16041015
Complaint Overview
Complaint ID: 16041015
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: Indiana
ZIP Code: 46074
Date Received: 2025-09-18T12:00:00-05:00
Date Sent to Company: 2025-09-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding multiple inaccurate late payments reported on my XXXX XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$4600.00} ). According to my credit report, the following late payments are reported : XXXX XXXX XXXX days XXXX XXXX XXXX days XXXX XXXX XXXX XXXX days lateXXXX XXXX XXXX days lateXXXX XXXX XXXX days lateThese reported late payments do not reflect my actual payment history. I have always made payments on time, and these inaccuracies are damaging my credit profile and limiting my financial opportunities.Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against inaccurate reporting : FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) Ensures credit reporting is fair, accurate, and respects privacy.FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. Reporting these late payments without verification violates this requirement.FCRA XXXX ( XXXX XXXX. XXXX ) Gives consumers the right to dispute inaccurate information ; the XXXX must conduct a reasonable reinvestigation within XXXX days. FCRA XXXX ( a ) ( XXXX ) ( A ) ( XXXXXXXX XXXX XXXXXXXX ) Requires furnishers to provide accurate and verifiable information. If the reported late payments can not be verified, they must be corrected or removed.
Frequently Asked Questions
What is Complaint #16041015 about?
Complaint #16041015 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 2025-09-18T12:00:00-05:00.
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.