Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8870424
Complaint Overview
Complaint ID: 8870424
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: Georgia
ZIP Code: 302XX
Date Received: 2024-04-26T12:00:00-05:00
Date Sent to Company: 2024-04-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute the reporting of transaction history, specifically late payments, on my credit report by XXXX, XXXX, and TransUnion. Upon reviewing my credit report, I have observed that all three entities have reported late payments, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA, it is illegal to report transaction history, including late payments, on a credit report. Transaction history pertains to specific details of financial transactions, such as account balances and payment history, and should not be included in a credit report. The reporting of inaccurate transaction history, such as late payments, can have detrimental effects on my credit standing and financial well-being. Therefore, I demand that XXXX, XXXX, and TransUnion immediately cease reporting this inaccurate information and update all late payments to " paid as agreed. '' Furthermore, the reporting of late payments on my credit report is also a violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies. I request that XXXX, XXXX, and TransUnion conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. Please be advised that if XXXX, XXXX, and TransUnion fail to update the late payments to " paid as agreed '' as requested, I will exercise my right under 15 USC 6802 to opt out of the reporting of these accounts on my credit report effective immediately. Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect XXXX, XXXX, and TransUnion to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8870424 about?
Complaint #8870424 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 2024-04-26T12:00:00-05:00.
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.