Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4543419

Complaint Overview

Complaint ID: 4543419

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: Florida

ZIP Code: 32714

Date Received: 2021-07-14T12:00:00-05:00

Date Sent to Company: 2021-07-14T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/2021 I filed a dispute with XXXX as they have incorrect information on my report which has affected my credit score and ability to get credit. report # XXXX. I also emailed the president of XXXX XXXX XXXX on XX/XX/2021. I applied for financing for an auto loan on XX/XX/2021 with XXXX They contacted XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and XXXXXXXX XXXX. On my credit report it states that i have three hard inquiries as a result of me trying to get a car loan. The law says that a dealership may have sent your loan application to multiple lenders to find the most favorable interest rates. If they all fell within a window of a few weeks, they will be considered rate shopping and will only count as a single inquiry in credit score calculations. XXXX has counted them as 3 inquiries thereby impacting my score. The inquiries were all on the same day. This has also happened with XXXX and transunion which I have not filed disputes with yet.

Frequently Asked Questions

What is Complaint #4543419 about?

Complaint #4543419 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 2021-07-14T12:00:00-05:00.

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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