Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17286020
Complaint Overview
Complaint ID: 17286020
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: Texas
ZIP Code: 77379
Date Received: 2025-11-16T12:00:00-05:00
Date Sent to Company: 2025-11-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
TRANSUNION ( False Verification + Phantom Payment + Failure to Correct Across XXXX ) Subject : TransUnion False Verification of Deleted Tradeline, Phantom Payment Reporting, and Violations of 1681s-2 ( b ) Complaint : TransUnion is reporting a XX/XX/XXXX account even though XX/XX/XXXX deleted XXXX very same tradeline in XX/XX/XXXX. XXXX. Failure to Correct Across CRAs This violates FCRA because a furnisher must correct ALL CRAs simultaneously. XXXX. XXXX XXXX XXXX TransUnion reports a last payment on XX/XX/XXXX that I never made. XXXX. Re-Aged Delinquencies TransUnion continues to show delinquencies inconsistent with : Capital Ones previous waiving of late fees the deleted status of the account with other CRAs the accounts factual history I requested that TransUnion conduct a proper investigation under the Fair Credit Reporting Act, including the accuracy requirements in 15 U.S.C. 1681e ( b ), the reinvestigation duties under 15 U.S.C. 1681i, the furnisher investigation requirements triggered under 15 U.S.C. 1681s-2 ( b ), and the blocking of inaccurate information under 15 U.S.C. 1681c-2. I specifically asked TransUnion to investigate and delete the following inaccurate, unverifiable, or fraudulent items : Incorrect address : XXXX XXXX XXXX XX/XX/XXXX XXXX TX XXXX removed from all other CRAs but TransUnion refuses to delete. XXXX XXXXXX/XX/XXXX: deleted byXX/XX/XXXX in XX/XX/XXXX, but TransUnion continues reporting inaccurate payment history and a false last payment date. Department of EducationXXXX XXXX deleted by XX/XX/XXXX, but TransUnion continues reporting it. XXXX XXXXXX/XX/XXXXXXXX ) : new and unidentified collection account that appears fraudulent. XXXX XXXXXX/XX/XXXX ) : unverifiable and previously disputed. XX/XX/XXXXccountsXX/XX/XXXX : unverifiable and repeatedly disputed with no documentation. Illegible documents uploaded by furnishers : TransUnion accepted unreadable documents as verification, which violates FCRA accuracy and reinvestigation requirements. Fraudulent/unauthorized hard inquiries : XX/XX/XXXXXX/XX/XXXX XXXX XXXX requested TransUnion delete all inaccurate XXXX unverifiable information, block fraudulent items, and provide documentation verifying any items they continue to report. TransUnion has failed to properly investigate or correct the reporting as required by the FCRA.
Frequently Asked Questions
What is Complaint #17286020 about?
Complaint #17286020 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 2025-11-16T12:00:00-05:00.
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.