Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11768400
Complaint Overview
Complaint ID: 11768400
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: Their investigation did not fix an error on your report
State: Ohio
ZIP Code: 441XX
Date Received: 2025-01-21T12:00:00-05:00
Date Sent to Company: 2025-01-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Department po box XXXX XXXXXXXX XXXX XXXXXXXX Subject : Credit Report Dispute - Account Number : XXXX Dear XXXX Dispute Department, I am writing to dispute inaccurate information contained in my XXXX credit report regarding the account listed under [ Creditor Name ] with the account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information on my credit report. Upon reviewing the payment history and status of this account, I have identified several inaccuracies : XXXX. Multiple Charge-Off Entries : The payment history section reflects charge-off notations for multiple consecutive months, including XX/XX/XXXX to XX/XX/XXXX, as well as prior months in XXXX and XXXX. This is inaccurate because a charge-off is a one-time event and should not be reported repeatedly across several months. This misrepresentation negatively impacts my credit profile. XXXX. Duration of Reporting : The account shows charge-off entries spanning a prolonged period without clear explanation or substantiation, contrary to FCRA guidelines requiring accurate and complete reporting. XXXX. Conflicting Information : The status of this account is unclear. While it reflects repeated charge-off statuses, no specific updates or adjustments are shown to account for ongoing payment activity. Under the FCRA, all information reported to credit bureaus must be accurate and verifiable. I am requesting the following actions : Conduct a full investigation into this account to verify the accuracy of the charge-off reporting. Remove or correct any inaccurate information regarding the charge-off status. Provide me with a written explanation of your findings and actions taken. For your reference, I have attached a copy of my credit report highlighting the disputed inaccuracies. Please note that the FCRA requires credit reporting agencies to investigate disputes within XXXX days and provide the results. If the information can not be verified, it must be removed or corrected under 15 U.S.C. 1681i ( a ) ( 5 ). Thank you for your prompt attention to this matter. I look forward to receiving a response regarding this dispute. If you require additional information, I can be reached at XXXX or XXXX Sincerely, XXXX XXXX This letter includes specific inaccuracies and references relevant sections of the FCRA to support your dispute. Let me know if you need further refinements!
Frequently Asked Questions
What is Complaint #11768400 about?
Complaint #11768400 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 2025-01-21T12:00:00-05:00.
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.