Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10930765
Complaint Overview
Complaint ID: 10930765
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: 30088
Date Received: 2024-11-25T12:00:00-05:00
Date Sent to Company: 2024-11-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I discovered several inaccuracies and potential violations in my credit report, which I believe infringe upon my rights as a consumer under U.S. law, particularly the Fair Credit Reporting Act ( FCRA ). These inaccuracies include incorrect personal information, such as my name, addresses, date of birth, and employment details, as well as errors in reported accounts, collections, and unauthorized hard inquiries. I requested that the reporting agency verify and substantiate all the data listed in my report, in line with FCRA standards and Metro 2 guidelines. Specifically, I highlighted inaccuracies with accounts like XXXX XXXX and XXXX, collections under entities such as XXXX XXXX and XXXX XXXX XXXX and an unauthorized inquiry from XXXX XXXX on XX/XX/XXXX2024. These errors undermine the integrity of the data in my credit file and could negatively impact my financial standing. I emphasized my right to fair and accurate reporting and demanded a thorough investigation and correction of these discrepancies. Furthermore, I reminded them that failure to comply with their obligations to verify and report accurate information, as required under the FCRA and the 2020 CRRG, poses significant legal risks. I expect these issues to be resolved promptly, as this situation directly affects my creditworthiness and trust in the reporting system.
Frequently Asked Questions
What is Complaint #10930765 about?
Complaint #10930765 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 2024-11-25T12:00:00-05:00.
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.