Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4408931
Complaint Overview
Complaint ID: 4408931
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Nevada
ZIP Code: 89142
Date Received: 2021-05-26T12:00:00-05:00
Date Sent to Company: 2021-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In XXXX and XX/XX/2021, I made XXXX attempts to initiate a dispute with TransUnion against unauthorized inquires on my credit file. After making phone calls and writing a letter, I submitted two complaints to CFPB informing them that TransUnion deliberately refuses to investigate disputes against inquiries. As a follow up to my complaint with CFPB, TransUnion has reached out to me by providing a letter explaining the " Explanation of Inquiries on Your Credit Report. '' They have not offered me a remedy on how to dispute any inquiries on my credit report. TransUnion is the only credit reporting agency which does not allow the consumer to dispute inquiries on their report. Currently, there is a class action lawsuit being brought against TransUnion for this same issue. I am now providing supporting documentation for a newer complaint which will show the webpages where TransUnion allows the consumer to dispute credit account information BUT NOT INQUIRIES. Nowhere listed on their website can anyone select " dispute '' for inquiries. TransUnion 's letters to me in response to my multiple requests for an inquiry dispute did not answer my request for a dispute but avoided the issues I brought forth repeatedly. I have attached two copies of letters I received from TransUnion on XX/XX/2021 and XX/XX/2021 as well as a copy of the webpages from XX/XX/2021 showing NO option to dispute any inquiry. The word " DELETE '' is next to each item that is to be disputed, however this option is not listed under the " inquiries '' section of the dispute pages. This is a violation of the FCRA.
Frequently Asked Questions
What is Complaint #4408931 about?
Complaint #4408931 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-05-26T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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, credit repair services, 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.