Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4736820
Complaint Overview
Complaint ID: 4736820
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 95831
Date Received: 2021-09-20T12:00:00-05:00
Date Sent to Company: 2021-09-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I gave back a XXXX to XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX closed the account formally in XX/XX/XXXX and told me they were writing the car off, and said I didn't owe them anything. They said the debt that was written off may be sold to a third party but I had no obligation to them. No one ever contacted me regarding this. In XX/XX/XXXX, I was buying a home and disputed the presence of this closed debt with XXXX XXXX XXXX with approx. $ XXXX balance. XXXX apparently REOPENED the account at that time and turned it active! Transunion dropped my credit score 123 points and started reporting late payments for an account that had been closed almost 6 years. I called XXXX, and they apologized for their mistake and immediately closed the account. XXXX and XXXX immediately restored my credit score. However, Transunion continues to this day to report missed payments on this CLOSED account. I never once missed a payment on this vehicle. I negotiated with XXXX to give the car back for sale in XXXX. I need XXXX to restore the original official account closing date ( XX/XX/XXXX ) and remove any reports of missed payments on this account. Also, I need Transunion to restore my credit score of XXXX.
Frequently Asked Questions
What is Complaint #4736820 about?
Complaint #4736820 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-09-20T12:00:00-05:00.
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, credit repair services, 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.