Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11018038
Complaint Overview
Complaint ID: 11018038
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: New Jersey
ZIP Code: 07018
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
Consumer Narrative
Under the Fair Credit Reporting Act which is a Federal Law that governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Accuracy and fairness of credit reporting. ( 15 USC 1681 ( a ) 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Permissible purposes of consumer reports. 15 U.S.C 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. This Credit Reporting Agency is under Federal Violation for using my Copyrighted information, therefore this credit reporting agency should remove all unwarranted information off my consumer credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. ALL HARD INQUIRES The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. Requires notice : Agencies must notify the public of their record systems. Requires consent : Agencies can not disclose an individual 's record without their written consent. Provides access : Individuals can request access to and changes to their records. Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Frequently Asked Questions
What is Complaint #11018038 about?
Complaint #11018038 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 2024-12-03T12:00:00-05:00.
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.