Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16215242
Complaint Overview
Complaint ID: 16215242
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: Illinois
ZIP Code: XXXXX
Date Received: 2025-09-26T12:00:00-05:00
Date Sent to Company: 2025-09-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TransUnions report shows XXXX days late ( XX/XX/XXXX ) and XXXX days late ( XX/XX/XXXX and XX/XX/XXXX ), then XXXX in XX/XX/XXXX with XXXX received {$9900.00}, XXXX {$0.00}, XXXX XXXX {$0.00}. In the same late months ( e.g., XX/XX/XXXX and XX/XX/XXXX ) the grid simultaneously displays No Data for Balance / Past Due / Amount Paid/ Scheduled Payment while still coding XX/XX/XXXX. After the payoff in XX/XX/XXXX, the tradeline is not clearly reported as Paid/Closed {$0.00} balance {$0.00} past due. The grid also shows XXXX XXXX {$12000.00} ( XX/XX/XXXX ) with XXXX XXXX {$0.00} and XXXX {$0.00}, creating a confusing and misleading picture of performance. Why this is unlawful : FCRA 1681e ( b ) failure to maintain maximum possible accuracy ( late codes without supporting amounts ; unclear paid-closed status ). FCRA 1681i ( Section 611 ) unreasonable reinvestigation after my dispute pointing out internal contradictions. FCRA 623 ( a ) ( 5 ) DOFD transparency to prevent re-aging. Metro 2 Payment History Profile must align with Past Due / Actual Payment / Scheduled Payment ; post-payoff status should reflect Paid/Closed {$0.00}. Actions I took : On XX/XX/XXXX I sent a XXXX request to TransUnion demanding correction or deletion and asked for XXXX copies and the Metro 2 fields relied on. I can provide highlighted screenshots ( late codes with XXXX XXXX ; XX/XX/XXXX payoff ) and the payment proof. Impact : These inaccuracies depress my credit score and hinder access to credit.
Frequently Asked Questions
What is Complaint #16215242 about?
Complaint #16215242 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 2025-09-26T12:00:00-05:00.
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.