Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10093473
Complaint Overview
Complaint ID: 10093473
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Florida
ZIP Code: 344XX
Date Received: 2024-09-11T12:00:00-05:00
Date Sent to Company: 2024-09-11T12:00:00-05:00
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 XXXX XXXX, FL XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. Details of the Complaint : - **XXXX XXXX XXXX - XXXX - **Social Security XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Background : XXXX On XX/XX/2024, TRANSUNION deleted the following information from my credit report : COLLECTION REMOVED. This deletion was based on COLLECTION ACCOUNT WAS REMOVEDFROM YOUR CREDIT REPORT. **Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that [ Name of Credit Bureau ] has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. **Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. **Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 2. Ensure that TRANSUNION complies with the notification requirements outlined in Section 611 ( B ) of the FCRA. 3. Correct my credit report by removing the reinserted information promptly. **Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with TRANSUNION regarding the original deletion. - Copies of my current credit reports highlighting the reinserted information. - Any other supporting documents deemed necessary to investigate this matter. **Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10093473 about?
Complaint #10093473 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-09-11T12:00:00-05:00.
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.