Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11822930
Complaint Overview
Complaint ID: 11822930
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: New York
ZIP Code: 11040
Date Received: 2025-01-28T12:00:00-05:00
Date Sent to Company: 2025-01-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX, I made a principal payment of {$9900.00} on my XXXX loan which had previously maintained a perfect payment history. This payment was misapplied by XXXX, leading to a series of systematic errors. In XX/XX/XXXX XXXX XXXX erroneously reported a delinquency on my account, causing my XXXX XXXX to plummet from XXXX to XXXX - a devastating XXXXpoint drop. Since XX/XX/XXXX, I have submitted multiple disputes to XXXX, XXXX, and TransUnion regarding this incorrect delinquency. Despite providing comprehensive evidence, all three credit bureaus have failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ). Evidence Provided to Credit Bureaus Original loan documentation showing 4.800 % interest rate Complete payment history demonstrating consistent payments Bank statements proving the {$9900.00} payment Documentation of unauthorized autopay deactivation Written admission from XXXX Supervisor XXXX XXXX ( dated XX/XX/XXXX ) acknowledging system errors XX/XX/XXXX Account Statement ( showing contractual 4.800 % interest rate ) Professional credit repair service documentation ( XX/XX/XXXX ) All three credit bureaus have demonstrated systematic failures in their investigation processes : Failed to Conduct Proper Investigations : Ignored submitted evidence Disregarded bank supervisor 's documented admission Failed to verify accuracy of reported information Did not investigate payment application issues Provided Inadequate Responses : Sent generic form letters Failed to address specific dispute points No explanation of investigation methods No documentation of findings Violated FCRA Requirements : Failed to conduct reasonable investigations Did not review all relevant information Failed to provide detailed investigation results Continued reporting disputed information without verification Pattern of " Sham Investigations '' : Automated responses without human review Ignored clear evidence of bank error Failed to contact data furnisher properly No meaningful investigation conducted
Frequently Asked Questions
What is Complaint #11822930 about?
Complaint #11822930 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 2025-01-28T12:00:00-05:00.
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.