Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4611726

Complaint Overview

Complaint ID: 4611726

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: New York

ZIP Code: 14226

Date Received: 2021-08-07T12:00:00-05:00

Date Sent to Company: 2021-08-07T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

You have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to countless violations such as no response for more than 60 days, missing required notice of dispute disclaimer, and negligently reporting false information after repeated correspondence. Your reckless false reporting is preventing me from receiving the financing I need to have a reliable means of transportation I would like these accounts removed from my credit Report. Correspondences have been sent via USPS Certified Mail. Each Correspondence listed below lists how the bureaus and creditors neglected to maintain an accurate consumer report with their violations. Credit report has been pulled every XXXX of the month. Credit Bureau Abbreviation : XXXX XXXX XXXX XXXX T= Transunion *= Collector **=Credit reporting agencies XXXX XXXX XXXX ( {$900.00} ) **Sent bureaus investigation request dispute XX/XX/XXXX received XX/XX/XXXX - XXXX, XXXX, T- continued reporting incorrect inaccurate info - XXXX- Didnt update Last reported. Leads me to believe no proper invest. was done. - XXXX- Didnt state account in dispute. - XXXX- did not respond in 30 days **Sent bureaus re-investigation request dispute XX/XX/XXXX received XX/XX/XXXX - XXXX, XXXX, T- continue reporting inaccurate - XXXX- didnt update last reported, leads me to believe a proper invest. Wasnt done. - XXXX- no response - XXXX- Didnt state account in dispute **Sent bureaus method of verification request dispute XXXX received XXXX - XXXX, XXXX , T- continue reporting inaccurate - XXXX- Last reported not updated. Leads me to believe a proper invest. Was not done. - XXXX, XXXX, T- did not respond - XXXX , XXXX, T- Did not provide Method of verification - XXXX- Did not state account is disputed **Sent bureaus method of verification second request dispute XXXX - XXXX, XXXX, T- continue reporting inaccurate - XXXX, XXXX, - did not respond - XXXX- Last reported not updated. Leads me to believe a proper invest. Was not done. - XXXX- missing required Notice of Dispute - XXXX , XXXX, T- Did not provide Method of verification **Sent disputes XXXX Creditor - Ignoring my Investigation request - Willfully and recklessly reporting false info to the credit reporting agencies after being notified of the reporting error and failing to investigate/ correct error including : Mixed files, Inaccurate date of statuses or last activity. Inaccurate balance. Also inaccurate remarks ( status, late-payments, activity after close ) - Reporting a charged off account w/o reference to the date of status/ last activity. - Withholding account data with intent to negatively effect consumers credit score ( credit limit, balance, account status ) CRA - Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct error. - Failure to respond to disputes within 30 days ( 15 additional days if sent additional info ) - Failure to provide ( If requested after verification ) the method of verification. Including the real name, address, and phone number of furnisher within 15 days of my request. - Failing to notate that an item on your credit report is under dispute, after a creditor or debt collector has reported the dispute. - Failure to provide all relevant information ( documents proving my case ) to the furnisher, when reasonable means to do so are available.

Frequently Asked Questions

What is Complaint #4611726 about?

Complaint #4611726 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 2021-08-07T12:00:00-05:00.

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.

Related Pages