Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10672069
Complaint Overview
Complaint ID: 10672069
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 status incorrect
State: Minnesota
ZIP Code: 55112
Date Received: 2024-11-03T12:00:00-05:00
Date Sent to Company: 2024-11-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Final XXXX Notice Before Legal Action Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX notice of multiple documented violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit profile. The following discrepancies have been identified : Credit Profile Discrepancies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$56000.00} difference ) Total Accounts : XXXX XXXX XXXX XXXX XXXX account difference ) Derogatory Marks : XXXX vs XXXX ( XXXX difference ) Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Inconsistent loan terms ( XXXX XXXX XXXX months ) XXXX. Different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXX XXXX ( {$2300.00} ) XXXX. Missing payment history XXXX. Different account numbers ( XXXX ) XXXX. Inconsistent charge-off dates XXXX. XXXX XXXX XXXX ( {$5600.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Varying payment histories XXXX. Inconsistent original balance reporting XXXX. XXXX XXXX ( {$6100.00} ) XXXX. Different past due amounts ( {$3200.00} vs {$2400.00} ) XXXX. Inconsistent account types XXXX. Different opening dates ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2200.00} ) XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. Inconsistent payment histories XXXX. Varying charge-off sequences FCRA Violations Summary XXXX. Accuracy Failures ( 1681e ( b ) ) Inconsistent balance reporting Different account statuses Varying payment histories 2. Investigation Failures ( 1681i ( a ) ) Failed to properly investigate disputes ( XXXX ) No response to written disputes Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) Failed to maintain consistent reporting across bureaus Different personal information reported Inconsistent account details Total FCRA Violations : XXXX Total Statutory Damages : {$15000.00} Due to the extended period of non-compliance and multiple unsuccessful dispute attempts over the past year, you are hereby given 5 days from the date of this letter to : Correct all inaccurate information identified above Provide written confirmation of the corrections made Compensate the statutory damages of {$15000.00} I. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX IV. XX/XX/XXXX CFPB Complaint Number # XXXX V. XX/XX/XXXX CFPB Complaint Number # XXXX This abbreviated timeline is justified by : XXXX. XXXX year of failed dispute attempts XXXX. Continued reporting of inaccurate information XXXX. Multiple unresolved FCRA violations XXXX. Significant financial harm caused
Frequently Asked Questions
What is Complaint #10672069 about?
Complaint #10672069 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 2024-11-03T12:00:00-05:00.
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.