Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12002998
Complaint Overview
Complaint ID: 12002998
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: Florida
ZIP Code: 34653
Date Received: 2025-02-08T12:00:00-05:00
Date Sent to Company: 2025-02-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, Account Name : [ XXXX ] Account Number : [ XXXX ] Date : [ XXXX ] I am writing to formally dispute the reporting of the above collection account as an " open account '' on my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all credit reporting is accurate and in compliance with the law. This collection account being reported as " open '' is not in compliance with FCRA guidelines and is an inaccurate entry. Under the FCRA, I request that this collection account be removed immediately from my credit report, as it does not meet the requirements of an " open '' account under the legal definition. In support of my request, I refer to the following sections of the FCRA : Section 605 ( a ) - Time Period for Reporting of Negative Information This section outlines the time limits for reporting negative information on a credit report. A collection account that is inaccurately reported as " open '' may violate the time-frame restrictions and should be removed if it exceeds the time limits for reporting. Section 609 - Right to Consumer Report This section gives me the right to request and receive a copy of my credit report upon the deletion of the inaccurate information. Once the collection account has been properly removed, I request that a revised copy of my credit report be sent to me for verification. Section 611 - Procedure in Case of Disputed Information Under this section, I have the right to dispute any inaccuracies in my credit report. Once I dispute an item, the credit reporting agency must investigate the accuracy of the entry. If the collection account is determined to be inaccurate, it must be removed. I expect this issue to be resolved promptly, in accordance with the FCRA. Please send me an updated copy of my credit report once the collection account has been deleted. Failure to comply with this request will leave me no choice but to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal recourse. Thank you for your immediate attention to this matter. Please provide written confirmation that the account has been removed, as required by law. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12002998 about?
Complaint #12002998 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 2025-02-08T12:00:00-05:00.
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.