Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11063350
Complaint Overview
Complaint ID: 11063350
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: South Carolina
ZIP Code: 29906
Date Received: 2024-12-06T12:00:00-05:00
Date Sent to Company: 2024-12-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws affecting my credit report. These issues include willful noncompliance, deceptive reporting, and failure to adhere to regulations governing the validation of debts and permissible purposes for credit inquiries. Specifically : Under FCRA Section 616, entities involved have failed to verify the accuracy of the credit information reported about me, constituting willful noncompliance. Per FCRA Section 603 ( d ) ( 2 ) ( A ), my right to opt out of sharing personal information was not disclosed, which is both deceptive and a violation of my rights. Entities have furnished inaccurate inquiries and accounts without proper validation, violating FCRA Section 623 ( a ) ( 3 ) and accepted standards like GAAP. Debt collectors have contacted third parties with misleading information about alleged debts, violating the Debt Collection Practices Act and privacy regulations. Late payments have been reported inaccurately and without clear definitions, which is misleading and not in compliance with timely payment regulations. Additional violations include failure to determine finance charges correctly, reporting information without my written consent, and improperly conducting unauthorized hard inquiries on my credit report. I have detailed specific accounts and actions required to resolve these issues, including validation of debts under 15 U.S.C. 1692g and the removal of inaccurate or unauthorized entries. Without timely action, I will have no choice but to seek legal remedies under the FCRA, as these violations have caused undue stress and harm to my financial standing.
Frequently Asked Questions
What is Complaint #11063350 about?
Complaint #11063350 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 2024-12-06T12:00:00-05:00.
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.