Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10048512
Complaint Overview
Complaint ID: 10048512
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: Massachusetts
ZIP Code: 018XX
Date Received: 2024-09-05T12:00:00-05:00
Date Sent to Company: 2024-09-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Account # XXXX Name of Account : XXXX XXXX XXXX Subject : Urgent Request for Removal of Inaccurate Collection Entry Dear TransUnion Dispute Department , I am writing to formally request the immediate removal of an inaccurate collection entry currently being reported on my credit report. I previously disputed this entry with TRANSUNION AND both XXXX and XXXX, and they have both confirmed that this collection was deleted from my credit reports due to its inaccuracy. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information, and as you are aware, TransUnion is required to comply with FCRA regulations. Specifically, the FCRA mandates that when a dispute results in the deletion of an entry from one credit bureau, other bureaus must reflect the same updates to ensure accuracy across all credit reports. The relevant sections of the FCRA that you are currently in violation of include : FCRA 611 ( a ) ( 5 ) ( A ) : This section requires credit reporting agencies to delete or correct information that can not be verified as accurate. FCRA 611 ( a ) ( 6 ) ( B ) : This section mandates that when information is found to be inaccurate or incomplete, it must be removed or corrected by all reporting agencies. FCRA 623 ( a ) ( 2 ) : This section states that furnishers must ensure the accuracy of information reported to credit bureaus, and when a dispute has been resolved by one bureau, it is the responsibility of all bureaus to correct or delete the inaccurate information. The presence of this erroneous collection entry is causing undue stress and potential harm to my creditworthiness. Therefore, I am requesting that TransUnion remove this inaccurate collection entry from my credit report within 10 calendar days of receiving this letter. Please confirm the removal of this entry in writing to the address listed above or via email at XXXX. Failure to address this issue promptly will compel me to consider further actions to protect my rights under the FCRA. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10048512 about?
Complaint #10048512 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 2024-09-05T12:00:00-05:00.
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.