Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10744455
Complaint Overview
Complaint ID: 10744455
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: California
ZIP Code: XXXXX
Date Received: 2024-11-09T12:00:00-05:00
Date Sent to Company: 2024-11-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Summary : " I am filing this complaint against TransUnion, XXXX XXXX XXXX, and XXXX XXXX due to ongoing issues with inaccurate, unverified information on my credit report, despite multiple efforts to resolve these matters. Specifically, I am challenging TransUnions failure to act according to federal regulations concerning identity theft and fraudulent debt reporting. As mandated under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow strict guidelines regarding identity theft claims. According to the FCRA 's five-day rule, once a consumer submits an identity theft report ( such as an FTC affidavit ), the credit reporting agency must remove fraudulent accounts from the consumers report within XXXX business days if the items are disputed. I previously provided TransUnion with an FTC affidavit detailing identity theft issues related to debts and accounts that do not belong to me, which were added to my report without my authorization. Although XXXX and XXXX promptly removed these fraudulent items following receipt of the FTC affidavit, TransUnion has failed to do so, leaving these damaging records on my credit report unjustly. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) imposes obligations on debt collectors to report only accurate information and prohibits deceptive or abusive practices. In this case, XXXX XXXX XXXX and XXXX XXXX have reported debts linked to an address I have never lived at, claiming utility use in my name at an abandoned property. These agencies refusal to correct false information after being notified constitutes a deceptive practice under FDCPA Sections 807 and 808. Further compounding this issue is a disputed loan still reported by XXXX despite active litigation over the loans legitimacy. By continuing to report this loan in the middle of an unresolved legal dispute, XXXX is jeopardizing my credit report 's accuracy and violating the FCRAs accuracy provisions. Despite my prior efforts to address these issues, TransUnion has disregarded its legal obligations by not honoring my identity theft affidavit and not removing unverified debts. I am requesting that the CFPB investigate these ongoing violations by TransUnion, XXXX XXXX XXXX, XXXX XXXX, and XXXX. I also request that the CFPB enforce corrective actions compelling these entities to immediately remove any unverifiable or disputed debts in compliance with FCRA and FDCPA standards. Additionally, I seek assurances that my consumer rights under these laws will be fully protected from further violations and extortionate practices. ''
Frequently Asked Questions
What is Complaint #10744455 about?
Complaint #10744455 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 2024-11-09T12:00:00-05:00.
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.