Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18029361
Complaint Overview
Complaint ID: 18029361
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 status incorrect
State: Florida
ZIP Code: XXXXX
Date Received: 2025-12-14T12:00:00-05:00
Date Sent to Company: 2025-12-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX received transfer of loan servicing within the last 60-90 days, and is reporting that my XXXX loan payment is 30 days delinquent. Given that today is XX/XX/XXXX, this is physically, mathematically and chronologically impossible. I alerted Experian to the issue and demanded an immediate explanation for how their system can report this. They refused to divulge that information, and told me it would take 30 days under FCRA to fix it. FCRA should not offer blanket immunity to lenders or credit bureaus to make materially false statements about a consumer when the credit bureau has constructive evidence to know that the statements they are making are false. The intent of FCRA to was protect credit bureaus when the information they are receiving from the lenders is merely being relayed, and the bureau can not know if it's accurate or not unless the consumer disputes it. FCRA is not intended to allow defamation, where a credit bureau acts with reckless disregard to material facts. Defamation is defamation, regardless of whether it's fixed within 30 days. I would also argue that making these false statements via the internet would constitute wire fraud, and making them via regular mail would constitute mail fraud. Why should a consumer be forced to bear the burden of losing XXXX points on their score for obviously false and impossible/illogical results as the result of categorically illegal actions by a lender and credit bureaus? Again, I reiterate, how is it possible to be 30 days past due on a payment for a calendar month that we are still in?
Frequently Asked Questions
What is Complaint #18029361 about?
Complaint #18029361 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 2025-12-14T12:00:00-05:00.
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.