Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11491243
Complaint Overview
Complaint ID: 11491243
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: Investigation took more than 30 days
State: Missouri
ZIP Code: 640XX
Date Received: 2025-01-12T12:00:00-05:00
Date Sent to Company: 2025-01-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I disputed several items but specifically two inaccurate entries on my credit report with XXXX and TransUnion. Despite providing supporting evidence, both credit reporting agencies failed to conduct reasonable investigations or correct the inaccuracies. XXXX XXXX XXXX XXXX Credit Card Account : The account is inaccurately reported as " charged off '' with a balance of {$610.00}. However, I received a letter from XXXX XXXX Bank confirming that, as of the date of their letter, the account does not have a credit balance and no refund is due. This demonstrates that the account should reflect a {$0.00} balance with no charge-off status. Despite this, both XXXX and TransUnion continue to report the account inaccurately. XXXX XXXX Reporting by TransUnion : TransUnion is inaccurately reporting a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, Case No., XXXX on XX/XX/XXXX ) that has been removed by other credit reporting agencies specifically XXXX after proper investigations. I have repeatedly disputed this inaccurate bankruptcy entry, but TransUnion has failed to correct it or provide proper investigation results justifying their continued reporting. Both issues have caused significant harm to my creditworthiness. Despite multiple disputes, neither XXXX nor TransUnion has fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of the information or to investigate disputes thoroughly. Their continued reporting of this inaccurate information is damaging and unacceptable.
Frequently Asked Questions
What is Complaint #11491243 about?
Complaint #11491243 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 2025-01-12T12:00:00-05:00.
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.