Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10892495
Complaint Overview
Complaint ID: 10892495
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: Virginia
ZIP Code: XXXXX
Date Received: 2024-11-21T12:00:00-05:00
Date Sent to Company: 2024-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : 1. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 2. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 3. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 4. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 5. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. Additional Legal Support : The cases Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must comply with the FCRA 's permissible purposes. Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10892495 about?
Complaint #10892495 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 2024-11-21T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.