Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10982867
Complaint Overview
Complaint ID: 10982867
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: Michigan
ZIP Code: 48197
Date Received: 2024-11-30T12:00:00-05:00
Date Sent to Company: 2024-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint because my credit report contains inaccurate and potentially unlawful entries, which violate the Fair Credit Reporting Act ( FCRA ). The issues I am experiencing are outlined below : 1. Duplicate Reporting of the Same Debt Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), creditors and collection agencies are prohibited from furnishing inaccurate or misleading information to credit bureaus. My credit report shows the same debt reported multiple times by different entities : Original Lender : XXXX XXXX XXXX XXXX XXXX. Collection Agency : XXXX XXXXXXXX XXXX Both accounts reflect the same original balance of {$990.00}, the same current balance of {$990.00}, and the same date assigned ( XX/XX/year> ). This duplicative reporting is misleading, unfairly impacts my credit score, and violates the FCRA requirement for accuracy in credit reporting. 2. Incomplete or Missing Information Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the accuracy and completeness of information. However, one of the entries is missing key details ( e.g., the " Agency Name '' is blank for one account ). This lack of information prevents me from understanding who owns the debt and whether it is being reported correctly. 3. Failure to Update Information Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to update information to ensure accuracy. If this debt has been sold or reassigned, the original creditor ( XXXX XXXX XXXX XXXX XXXX ) should no longer report it. However, both entities are reporting the debt, suggesting the information is not being updated. 4. Misrepresentation of Debt Responsibility If the debt has been transferred or sold to a collection agency, it is misleading for both the original creditor and the new collection agency to report the debt simultaneously. This violates the FCRA, as it creates confusion regarding the debt 's true ownership and status.
Frequently Asked Questions
What is Complaint #10982867 about?
Complaint #10982867 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 2024-11-30T12:00:00-05:00.
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.