Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7359438
Complaint Overview
Complaint ID: 7359438
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: Virginia
ZIP Code: 23222
Date Received: 2023-08-06T12:00:00-05:00
Date Sent to Company: 2023-08-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Removal of Late Payment from Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter concerning a late payment on account number XXXX from XXXX XXXX XXXXXXXX that is currently appearing on my consumer credit report. Based on my understanding of the law, as stated in 15 U.S. Code 1681a - Definitions ; rules of construction, I believe that this late payment should be removed from my credit report. According to the aforementioned section of the U.S. Code, the term " consumer report '' does not include a report that contains information solely as to transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ) and subject to section 1681s3 of the same title. As such, I contend that the inclusion of this late payment on my consumer report violates the exclusion outlined in the law. I kindly request that you review my account and remove the late payment from my credit report in accordance with the aforementioned legal provision. As the late payment falls within the category of a transaction or experience between myself and XXXX XXXX XXXX, I believe it should not be considered part of my consumer report. I understand that accurate reporting of credit information is vital for maintaining the integrity of credit reports and ensuring fair assessments of consumers ' creditworthiness. I trust that Transunion, as a responsible and reputable financial institution, shares these principles and will take appropriate action to address this matter. I kindly request that you provide written confirmation of the removal of the late payment from my consumer report within [ 30 days ] of receiving this letter. Additionally, I would appreciate your assistance in ensuring that any necessary updates are made to the credit reporting agencies to reflect this change accurately. I am documenting this notice as evidence that I brought this to your companies attention just incase I have to sue in court for violations that is being committed.
Frequently Asked Questions
What is Complaint #7359438 about?
Complaint #7359438 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 2023-08-06T12:00:00-05:00.
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.