Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4479681

Complaint Overview

Complaint ID: 4479681

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: Michigan

ZIP Code: 48239

Date Received: 2021-06-21T12:00:00-05:00

Date Sent to Company: 2021-06-21T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/XXXX and XX/XX/2021, I sent communication to Transunion and XXXX asking for a collection account to be investigated. The account is with XXXX XXXX XXXX. I have requested from the creditor documents validating this debt several times, as I am not aware where this came from .I sent in proof several times that this creditor is not validating the debt because they are not informing me as to how it was obtained. They have sent me several communications stating that the original creditor believes it is valid. When asked to send me proof of this account. XXXX on 3 occasions sent me a 2 page bill that displayed no information as to what the charges are for. Also XXXX was reporting conflicting information between the credit bureaus. I sent this information to the reporting agencies and they only updated the information to match. Transunion and XXXX both failed to properly validate this debt. I have not been informed by neither XXXX, Transunion, nor XXXX on how this debt was obtained nor where it came from. When I called Transunion I was told that they have just started my dispute on XX/XX/2021, that is one month after my certified mail receipt shows it was delivered. Once I advised the rep that I had proof it was received by them on XX/XX/2021, he then changed the story that the investigation was completed and that they updated the information. This information is damaging my character and causing me a great deal of stress. I am trying to purchase a home and this is stopping me.

Frequently Asked Questions

What is Complaint #4479681 about?

Complaint #4479681 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 2021-06-21T12:00:00-05:00.

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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