Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16676280
Complaint Overview
Complaint ID: 16676280
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: Information belongs to someone else
State: Arkansas
ZIP Code: 72223
Date Received: 2025-10-18T12:00:00-05:00
Date Sent to Company: 2025-10-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because my credit report contains multiple inaccurate and misleading entries that violate the Fair Credit Reporting Act ( FCRA ). The addresses listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are incorrect and should be removed immediately. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain the maximum possible accuracy of consumer information, and these inaccurate addresses create confusion and potential identity concerns. The account XXXX ( Account XXXX. XXXX ) is being reported with a {$0.00} balance but shows a closed late status, which is factually incorrect and misleading. Similarly, the following charge-off accountsXXXX XXXX ( {$1200.00} ), XXXX XXXX ( {$8100.00} ), and XXXX XXXX XXXX XXXX {$360000.00} ) contain inconsistent reporting on balances and payment histories that can not be verified. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report only complete and accurate information, and under 611 ( a ), I have the right to dispute and request a full reinvestigation of any data that can not be substantiated. Additionally, XXXX XXXX ( Balance {$1600.00} ) and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, Balance {$330.00} ) are being reported as active collections ; however, I have not received proper validation of these debts. These entries should be verified or removed in compliance with FCRA 611 ( a ) and 623 ( a ) ( 2 ), which require correction of inaccurate or unverifiable information. The report also shows XXXX XXXX XXXX XXXX XXXX ( Reference # XXXX ), which appears to be inaccurately linked or reported. Public record data must be verified with the courts and can not be reported in error under FCRA 607 ( b ) and 605 ( a ). Finally, the following hard inquiries XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), and duplicates thereof were made without my explicit authorization or permissible purpose. This violates FCRA 604 ( a ) ( 3 ), which limits the access of consumer reports to those with legitimate business needs and proper consent.
Frequently Asked Questions
What is Complaint #16676280 about?
Complaint #16676280 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 2025-10-18T12:00:00-05:00.
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.