Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4893116
Complaint Overview
Complaint ID: 4893116
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: Texas
ZIP Code: 75069
Date Received: 2021-11-09T12:00:00-05:00
Date Sent to Company: 2021-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My letter below to TransUnion describes the problem I am having with them. They are not critically looking at the merits of the information provided by a collection agency. They are just " checking the boxes ''. -- -- TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX, PA XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madame : I am XXXX XXXX and this in reference to TransUnion file number : XXXX I am writing to request that incorrect derogatory information on my TransUnion credit report be immediately removed from your reporting. This is regarding information that was provided to TransUnion by a collection agency named XXXX XXXX XXXX, # XXXX Over the course of the last couple of months I have used your online dispute resolution process twice and your call-in process once. Both have had unsatisfactory results. Each time, TransUnion responded to my dispute request by stating, in a form letter, that the information provided by the collection agency, such as my name and address, was accurate. This collection agency apparently did provide some document showing me as a debtor. What I really need TransUnion to understand is that : I did NOT enter into a debt arrangement with this collection agency, or the organization they represent. The organization they are representing is a former employer that is attempting to use the credit agency process to claw back compensation paid to me. This is NOT a debt issue, if anything it is a contract issue, and the reporting agency should take legal action if they believe they are justified in doing so. TransUnion is not able to pass legal judgement on a contract dispute. I need TransUnion to do more than check the boxes here as it is my credit record that is being adversely impacted without justification. Regards, XXXX XXXX
Frequently Asked Questions
What is Complaint #4893116 about?
Complaint #4893116 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 2021-11-09T12:00:00-05:00.
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.