Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4736791
Complaint Overview
Complaint ID: 4736791
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: North Carolina
ZIP Code: 27104
Date Received: 2021-09-20T12:00:00-05:00
Date Sent to Company: 2021-09-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TransUnion is violating my consumer rights, damaging my creditworthiness, & sabotaging any chances of securing a new home for my family. Im currently trying to rent/buy a home for me and my family but inaccurate information on my TransUnion credit report is preventing me from doing that. TransUnion is not using reasonable procedures to assure maximum possible accuracy of information on my consumer credit report. The alleged accounts : 1.XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 2.XXXX XXXX XXXX ( Original Collector : XXXX ). There is no proof and/or documentation that these alleged debts belong to me. I even sent written communication directly to the debt collectors and they were unable to provide me any validation of the debt pursuant to FDCPA. If the debt collector is unable to validate the alleged debt how is TransUnion able to verify this debt? I sent written communication to attempt to resolve this issue with TransUnion ( See attached documents : Exhibit A ) but they refuse me a proper investigation pursuant to the FCRA. I asked in my written letter to TransUnion to be provided with verifiable proof of the alleged debts and the procedure used to determine the accuracy and completeness of the information. They never provided me this information. Im invoking my specified remedy as a consumer. I demand these accounts be immediately deleted from my TransUnion credit report. Once deleted I demand an updated credit report be sent to any person you furnished my credit report to within the last 12 months. Im looking to move my family into a new home in the next 30 days ; an expedited response will be truly appreciated! See attached documents : Exhibit A - Copy of written communication to TransUnion on XX/XX/2021 disputing alleged accounts.
Frequently Asked Questions
What is Complaint #4736791 about?
Complaint #4736791 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-09-20T12:00:00-05:00.
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.