Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16282013
Complaint Overview
Complaint ID: 16282013
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: North Carolina
ZIP Code: 27713
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the reinsertion of a late payment notation on my credit report, effective XX/XX/XXXX. This information, related to my XXXX secured credit card account XXXX XXXX XXXX XXXX XXXX, was previously disputed as fraudulent/inaccurate and subsequently removed from my file. Its reappearance without proper verification violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ). Details of the Violation XX/XX/XXXX '' ], this late payment ( originally noted as " 30 Days Late '' for XX/XX/XXXX ) was deleted following my dispute, as it could not be verified as accurate. Recent updates even corrected it to " Current '' status, improving my Payment History factor from Good to Excellent and boosting my score by XXXX points ( from XXXX to XXXX ). Reinsertion Details : As of today, XX/XX/XXXX, the late payment has been reinserted, reverting the status and negatively impacting my report. No prior notification of this change was provided. FCRA Violations : Prohibition on Reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : A CRA may not reinsert deleted information unless the furnisher certifies in writing that it is complete and accurate. I have received no such certification from the furnisher ( XXXX or equivalent ). Notification Requirement : Even if certified, you must notify me in writing ( or via authorized means ) within XXXX business days of reinsertion. No notice has been sent, as this occurred today. Accuracy and Investigation Duty ( 15 U.S.C. 1681i ( a ) ) : CRAs must conduct a reasonable investigation before reporting disputed information. This reinsertion skips that process for previously challenged data. This unauthorized reinsertion has caused immediate harm, including potential score drops and barriers to credit opportunities. Enclosed are supporting documents : my XX/XX/XXXX TransUnion report ( showing the positive correction ), proof of prior dispute/removal [ attach if available ], and ID verification. Request for Immediate Action Pursuant to FCRA Section 611 ( d ), I demand the following within XXXX business days of receipt : Immediate Deletion : Permanent removal of the reinserted late payment from all three bureaus ( TransUnion, XXXX XXXX ) and block its re-reporting. Documentation : Copies of any certification from the furnisher verifying accuracy, plus internal records of the reinsertion process and investigation ( or lack thereof ). Notification : Written confirmation of compliance, including updated reports from all bureaus showing the deletion and any score impact.
Frequently Asked Questions
What is Complaint #16282013 about?
Complaint #16282013 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 2025-09-30T12:00:00-05:00.
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.