Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11018037
Complaint Overview
Complaint ID: 11018037
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: Information belongs to someone else
State: Minnesota
ZIP Code: 55449
Date Received: 2024-12-03T12:00:00-05:00
Date Sent to Company: 2024-12-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing this complaint against the credit reporting agencies ( TransUnion, XXXX, and XXXX ) and the creditors ( XXXX, XXXX XXXX, and XXXX ) for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite disputing these accounts and requesting validation, they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the fraudulent accounts in question : XXXX : Account ending in XXXX XXXX XXXX : Account ending in XXXX XXXX XXXX : Account ending in XXXX Violations : Failure to Validate Debts : The creditors failed to provide written notification of the alleged debts within five days of initial contact, as required by FDCPA 809 ( a ). Furthermore, they did not validate the debts within 30 days of my dispute, violating FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ). Reporting Inaccurate Information : These accounts contain inconsistent and inaccurate information, such as differing open dates and data reported across the credit bureaus. This is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires creditors to report only accurate information. Failure to Respond to Disputes : Despite my disputes, the credit bureaus failed to conduct a reasonable investigation or provide documentation proving the legitimacy of these accounts within the required timeframe, violating FCRA 611 ( a ) ( 1 ) ( A ). This neglect of duty also breaches FCRA 611 ( a ) ( 5 ) ( A ), which mandates the correction or removal of disputed inaccuracies. Continued Reporting of Fraudulent Accounts : The continued reporting of these accounts as " Charge off '' or " Derogatory '' despite disputes and lack of validation is willful noncompliance. This ongoing harm to my credit profile violates FCRA 604 ( a ) ( 1 ). Relief Requested : I demand the following immediate actions : The permanent removal of these fraudulent accounts ( account numbers listed above ) from my credit report. Blocking these accounts to prevent future reporting under FCRA 605B ( c ) ( 1 ). Compensation for damages caused by derogatory and inaccurate reporting, including harm to my creditworthiness and financial reputation. A formal investigation into the negligent and unlawful practices of the reporting agencies and creditors. Enforcement of penalties against the creditors and credit bureaus for willful violations of FCRA and FDCPA.
Frequently Asked Questions
What is Complaint #11018037 about?
Complaint #11018037 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 2024-12-03T12:00:00-05:00.
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.