Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19655942
Complaint Overview
Complaint ID: 19655942
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 information incorrect
State: Florida
ZIP Code: 33313
Date Received: 2025-10-27T12:00:00-05:00
Date Sent to Company: 2026-02-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint is regarding inaccurate charge-off and settlement reporting on a closed installment loan. The account shows different high credit amounts, different settlement descriptions, and different payment history codes across the three credit bureaus, which is a violation of FCRA 1681e ( b ) requiring maximum possible accuracy. XXXX reports High Credit as {$2000.00} and Payment after charge-off/collection settled for less than full balance. XXXX reports the account as Unpaid balance reported as loss by credit grantor account legally paid in full for less than full balance. XXXX reports High Credit as {$2500.00} and Settlement accepted Paid charge-off. These are three materially different outcomes and the furnisher can not have all three be true. I previously disputed the account, and the companies did not provide original account records, payment logs, charge-off reconciliation, or settlement documentation to verify the exact accurate status. Because the reporting is inconsistent and unverifiable, I am requesting that the entire tradeline be deleted across all bureaus under FCRA 623 ( b ) ( 1 ) ( D ).
Frequently Asked Questions
What is Complaint #19655942 about?
Complaint #19655942 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 2025-10-27T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.