Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11001868
Complaint Overview
Complaint ID: 11001868
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Public record information inaccurate
State: South Carolina
ZIP Code: 294XX
Date Received: 2024-12-02T12:00:00-05:00
Date Sent to Company: 2024-12-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Specifically, the bankruptcy was dismissed and should not have any negative impact on my credit score. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, and the Privacy Act of 1974, 5 U.S. Code 552a, I have the right to dispute any inaccurate information on my credit report and to expect that my personal information is handled with the utmost confidentiality and care. It has come to my attention that XXXX is the data provider for this information. I have already opted out of XXXX, and my data should no longer be reported by them. Furthermore, in light of the legal precedent set by XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), superficial investigations are not sufficient for verifying information. Therefore, I request that you conduct a thorough investigation and remove the inaccurate bankruptcy information from my credit report immediately. Please provide me with written confirmation that this information has been deleted. After several disputes there is still a lack of method of verification. Under 15 U.S.C. 1681i, I request an immediate reinvestigation of this bankruptcy reporting to verify its accuracy. Additionally, any inaccurate information should be corrected or deleted in compliance with the FCRA. Furthermore, the Bankruptcy Code, specifically 11 U.S.C. 524, establishes a discharge injunction that prohibits creditors from attempting to collect a discharged debt. This provision ensures that once a debt is discharged, it is no longer legally enforceable, and any attempt to report it inaccurately is a violation of my rights under the bankruptcy law. Should you fail to address this dispute adequately, I intend to pursue all available legal remedies to protect my rights and ensure compliance with all applicable laws, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Thank you for your attention to this urgent matter. I look forward to your prompt response.
Frequently Asked Questions
What is Complaint #11001868 about?
Complaint #11001868 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-02T12:00:00-05:00.
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.