Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18233841
Complaint Overview
Complaint ID: 18233841
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: Rhode Island
ZIP Code: 02907
Date Received: 2025-12-22T12:00:00-05:00
Date Sent to Company: 2025-12-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dispute of Late Payment Reporting XXXX XXXX Account No. XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on the above-referenced account. This dispute is made pursuant to the Truth in Lending Act, specifically 15 U.S. Code 1666b - Timing of Payments. Under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late if it is received by the creditor on or before the due date at the location designated by the creditor for receipt of payments. My payment for the billing cycle in question was submitted in accordance with the terms provided by your company and was received on or before the due date. Despite this, your company has reported the payment as late, which constitutes inaccurate reporting and a violation of federal law. Any adverse reporting based on this error is improper and must be corrected. Accordingly, I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Correct or remove the late payment notation from my account records ; and 3. Update all consumer reporting agencies to which you have furnished this inaccurate information. Please provide written confirmation once the correction has been made. If you are unable to substantiate that the payment was late under 15 U.S.C. 1666b, continued reporting of this derogatory information may subject your company to liability under applicable federal law. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #18233841 about?
Complaint #18233841 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 2025-12-22T12:00:00-05:00.
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.