Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10832812
Complaint Overview
Complaint ID: 10832812
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: Reporting company used your report improperly
State: Georgia
ZIP Code: 30228
Date Received: 2024-11-17T12:00:00-05:00
Date Sent to Company: 2024-11-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TRANSUNION is illegal reporting charge-off/collection accounts on my credit report. These said accounts are considered a certificate of indebtedness and therefore deemed income, per IRS Publication 4681. Erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and The Privacy Act of 1974. Charge-offs/collections are considered as income per IRS Publication 4681 and should not be included in consumer reports, as explicitly mandated by federal regulations. However, Transunion has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with Transunion by disputing the inaccurate information on my consumer report, the erroneous reporting has not been rectified. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, Transunion 's actions violate several federal statutes. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Transunion for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by above actions. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Frequently Asked Questions
What is Complaint #10832812 about?
Complaint #10832812 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 2024-11-17T12:00:00-05:00.
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.