Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4917135
Complaint Overview
Complaint ID: 4917135
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: Illinois
ZIP Code: 604XX
Date Received: 2021-11-16T12:00:00-05:00
Date Sent to Company: 2021-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX, I paid off the remaining balance on my fouXXXX XXXX XXXX XXXX XXXX accounts with XXXX XXXX XXXX XXXX XXXX ) totaling {$2200.00}. In XX/XX/XXXX, my FICO score was XXXX and XXXX in XX/XX/XXXX. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX. In addition to the negative scores, my online credit information from XXXX and XXXX XXXXXXXX XXXX indicated the factors damaging my credit were : Serious delinquency Presence of serious delinquency on one or more accounts TransUnion and XXXX to remove and correct all inaccurate information and any references to the negative reporting of Adverse or Negative and Maximum Delinquency of 60 days and NOT_MORE_THAN_THREE_ PAYMENTS_ PAST_DUE on all 4 XXXX XXXX XXXX tradelines from my credit file. The negative reporting on all 4 XXXX student loan tradelines are incorrect for several reasons : a. Existing information on XXXX website ( Loan Details ) cites 0 Days Delinquent during term of student loan repayment. b. The OK/Current payments recorded in TransUnion and XXXX Tradeline Payment History XXXX XXXX XXXX 0 Days Delinquent information indicated in the Loan Details from XXXX website XXXX XXXX XXXX XXXX Summary Details for Account Status , labels all XXXX XXXX tradelines as being NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE, and TransUnion of 60 Days Past Due Date XX/XX/XXXX, contradicts the OK/Current data recorded in the Tradeline Payment History chart sections for both credit reporting agencies. d. In the XXXX and TransUnion XXXX XXXX XXXX XXXX, the XX/XX/XXXX ratings section is omitted ( this is the month the loan was paid and closed ) and instead the Tradeline Payment history chart ends XXXX XXXX is marked with OK payments for XX/XX/XXXX and ALL months prior. e. My account can not be 60 or 30 days ( both less than XXXX payments ) past due in XX/XX/XXXX when the prior months of XX/XX/XXXX and XX/XX/XXXX are deemed OK/Current ( Due date on XXXX accounts were the XXXX of every month ( there are only 30 days between XX/XX/XXXX, and XX/XX/XXXX ). TransUnion and XXXX should have immediately flagged the errors and inconsistencies by requesting XXXX to validate or provide the correct data before incorrect or false information is added to my credit file. My credit has been irrevocably damaged causing me great harm. With poor scores and negative information in my file, for the next XXXX years or XXXX I will be unable to secure credit, a lower interest rate, any additional lines of credit, a mortgage for a home, or obtain an auto loan. On XX/XX/XXXX, I was already denied a loan from a company with whom I previously had a line of credit which I paid-off in XXXX of XXXX.
Frequently Asked Questions
What is Complaint #4917135 about?
Complaint #4917135 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 2021-11-16T12:00:00-05:00.
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, 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.