Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4430373

Complaint Overview

Complaint ID: 4430373

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: Their investigation did not fix an error on your report

State: Georgia

ZIP Code: 30813

Date Received: 2021-06-03T12:00:00-05:00

Date Sent to Company: 2021-06-03T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

As a consumer, I have rights under the Fair Credit Reporting Act. TransUnion and XXXX are both in violation of the FCRA Section 604. Permissible purposes of consumer reports and Section 607. Compliance Procedures. THEY VIOLATED THE UNITED STATES CODE LAW. My personal information was exposed in the XXXX breach in XXXX and I sent two dispute letters to Transunion and XXXX about some impermissible inquires on my consumer credit report. The first letter was sent on XX/XX/XXXX and the second letter was sent on XX/XX/XXXX. Transunion nor XXXX has yet to remove these impermissible inquires from my consumer credit report. FCRA Section 607 states that CRAs are required to make sure that consumer reports are only being used by appropriate people and for legitimate purposes, as spelled out in Section 604. FCRA Section 604. Permissible purposes of consumer reports clearly state any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue, such as a subpoena, and in connection with proceedings before a Federal grand jury 2. In accordance with the written instructions of the consumer to whom it relates 3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer B. intends to use the information for employment purposes C. intends to use the information in connection with the underwriting of insurance involving the consumer D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ii. to review an account to determine whether the consumer continues to meet the terms of the account. IMPERMISSIBLE CREDIT REPORT ACCESS IS A BREACH OF PRIVACY Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave Transunion and Equifax any written consent to report anything on my consumer report, nor did I instruct or give consent to anyone in writing to obtain my consumer report. No consent is Identity Theft. As a consumer, these inquires in this complaint must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also, I have already involved and sent a letter to the attorney general 's office, XXXX XXXX XXXX and federal trade commission.

Frequently Asked Questions

What is Complaint #4430373 about?

Complaint #4430373 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 2021-06-03T12:00:00-05:00.

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.

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