Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9326502
Complaint Overview
Complaint ID: 9326502
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: New Hampshire
ZIP Code: 03103
Date Received: 2024-06-22T12:00:00-05:00
Date Sent to Company: 2024-06-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXXXX/XX/XXXX Account Number : XXXX I am writing to formally dispute the inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ) regarding my XXXXXX/XX/XXXXaccount referenced above. The following discrepancies and omissions have been identified in my credit report : Specific Issues Identified : XXXX. Inaccurate Account Status : The account status is listed as charged off with a past due amount of {$4300.00} as of XX/XX/XXXX. However, the status updated date is listed as XX/XX/XXXX, which is inconsistent with the charge-off status continuing into XXXX. 2. Credit Limit Discrepancy : The credit limit for this account is reported as {$3500.00}, but the highest balance recorded is {$4300.00}. This discrepancy suggests possible errors in reporting or unclarified over-limit fees. 3. Omitted Recent Payment and Monthly Payment Information : Last payment report as XX/XX/XXXX, but 24 months history payment show that last payment was XXXX, XXXX clearly an inaccurate payment information. Monthly payment fields are left blank, violating the requirement for transparency in payment reporting under XXXX. 4. Inconsistent Payment History : The payment history shows gaps and inconsistencies, with no data ( ND ) reported for several months in XXXX and XXXX. This lack of detailed payment history affects the accuracy of the report. 5. Inaccurate Reporting of Terms : The credit card terms, such as the APR and payment terms, are not reported, which violates the TILA requirement for clear disclosure. These issues are also in direct violation of the FCRA, specifically : - Section 1681e ( b ) : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' - Section 1681i ( a ) : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute :.
Frequently Asked Questions
What is Complaint #9326502 about?
Complaint #9326502 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 2024-06-22T12:00:00-05:00.
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.