Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10545230
Complaint Overview
Complaint ID: 10545230
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 30349
Date Received: 2024-10-22T12:00:00-05:00
Date Sent to Company: 2024-10-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am reporting fraudulent and inaccurate reporting related to a XXXX XXXX XXXX account ( Account No. XXXX ). This account is fraudulent, and the reporting by XXXX, XXXX, and TransUnion contains significant inconsistencies across balances, credit limits, payment history, and reporting dates. These errors violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2. Below are the specific errors and discrepancies across the three bureaus : XXXX Balance : {$160.00} Past Due : {$120.00} Credit Limit : {$150.00} Payment History Errors : Charge-off ( " CO '' ) notations appear in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No 30/60/90-day delinquency notations leading up to these charge-offs, making the reporting inaccurate and incomplete. Reported Date : XX/XX/XXXX Comment : Consumer disputes after resolution, but no meaningful correction or investigation has been made. XXXX Balance : {$160.00} XXXX XXXX : {$100.00} ( conflicts with Experians {$120.00} past-due report ). Credit Limit : {$0.00} ( incorrect compared to {$150.00} reported by XXXX and TransUnion ). High Credit : {$1.00} ( incorrect and inconsistent ). Payment History Errors : Reports " OK '' statuses in several months ( XXXX ), even though the account was supposedly in collection and charge-off status. This is a critical inaccuracy. Reported Date : XX/XX/XXXX ( conflicts with Experians reported date of XX/XX/XXXX ). TransUnion Balance : {$160.00} XXXX XXXX : {$120.00} ( matches XXXX, but differs from XXXX ). Credit Limit : {$150.00} ( matches XXXX, but inconsistent with XXXX {$0.00} ). High Credit : {$160.00} ( correct, but inconsistent with Equifaxs {$1.00} ). Payment History Errors : Some months reflect charge-off ( " CO '' ) notations, but others are missing, making the history incomplete. No 30/60/90-day delinquency notations appear before the charge-offs, creating inconsistencies in the reporting. Reported Date : XX/XX/XXXX ( matches XXXX but differs from XXXX ). I have taken the following steps to address these issues : Filed disputes with XXXX, XXXX, and TransUnion, requesting the removal of the fraudulent account. Submitted identity theft documentation, including FTC identity theft reports and police reports, to all three bureaus. Filed complaints with the CFPB regarding the inaccurate and inconsistent reporting. Despite these actions, all three bureaus have failed to properly investigate or correct the errors. Additionally, the fraudulent account was not blocked within 4 business days of receiving identity theft documentation, violating 15 U.S.C. 1681c-2. The fraudulent and inconsistent reporting by XXXX, XXXX, and TransUnion has : Harmed my credit score, blocking access to credit, loans, and refinancing opportunities. Prevented me from exercising my consumer rights by denying me accurate credit reports. Caused emotional distress and economic dependency by wrongfully assigning me debt I do not owe. Subjected me to debt bondage under 18 U.S.C. 1581, forcing me into a cycle of financial harm. Inconsistent Past-Due Amounts : One bureau reports {$120.00} past due, while another reports {$100.00}. Discrepant Credit Limits and High Credit : Credit limits range from {$0.00} to {$150.00}, and high credit is incorrectly listed as {$1.00} on one report. Incomplete Payment History : Some reports omit 30/60/90-day delinquencies, even though charge-offs are recorded. Charge-off ( " CO '' ) notations are missing from some months, creating gaps in the history. One bureau shows " OK '' statuses during periods when the account was supposedly in collection, a clear reporting error. Failure to Block Fraudulent Information : None of the bureaus blocked the fraudulent account within 4 business days after receiving my identity theft documentation, violating 15 U.S.C. 1681c-2. Failure to Investigate and Correct Errors : All three bureaus failed to conduct a reasonable investigation of my disputes, violating 15 U.S.C. 1681i.
Frequently Asked Questions
What is Complaint #10545230 about?
Complaint #10545230 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-10-22T12:00:00-05:00.
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.