Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18262418
Complaint Overview
Complaint ID: 18262418
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 33032
Date Received: 2025-12-23T12:00:00-05:00
Date Sent to Company: 2025-12-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX is reporting XXXX charged-off credit card accounts on my credit file : The first account was opened in XX/XX/XXXX and shows a charge-off balance of {$7300.00}. The second account was opened in XX/XX/XXXX and shows a charge-off balance of {$18000.00}. Both accounts are reporting as " Derogatory '' status across the credit bureaus. I dispute the accuracy of these charge-off accounts. I have requested verification including : original signed credit card agreements, complete billing statements showing how the balances were calculated, proof of proper notification before the accounts were charged off as required by the original card agreements, accurate Date of First Delinquency ( DOFD ) documentation, and verification that reporting complies with XXXX XXXX format standards. XXXX XXXX has failed to provide this documentation. The balances may contain inaccurate information including improperly assessed fees, incorrect interest calculations, or charges that were previously disputed. Without proper verification and documentation supporting these charge-offs, the accounts should not be reported on my credit file. These unverified charge-off accounts are severely damaging my credit score and my ability to obtain credit.
Frequently Asked Questions
What is Complaint #18262418 about?
Complaint #18262418 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-23T12:00:00-05:00.
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.