Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5022173

Complaint Overview

Complaint ID: 5022173

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: Investigation took more than 30 days

State: New York

ZIP Code: 11217

Date Received: 2021-12-18T12:00:00-05:00

Date Sent to Company: 2021-12-18T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To Whom It May Concern I disputed an item on my credit report with TransUnion, I filed a certified mail ( tracking code : XXXX ) with the return receipt requested on XX/XX/2021, and from the tracking and after talking to a XXXX agent I confirmed that an agent from Transunion received the dispute on XX/XX/2021. ( I attached the evidence below ) I never heard from them and filed a follow-up letter specifically saying that, ''according to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. '' The second letter ( Follow-Up ) was also a certified letter with return receipt requested and Transunion Received the follow-up letter on XX/XX/2021 and I was able to confirm the delivery was completed on XX/XX/2021 for my follow-up letter to the original dispute. Finally, it took TransUnion around 90 days to respond to my dispute and they denied my dispute. I received this letter on XX/XX/2021 about 90 days after my original dispute letter. I attached the XXXX delivery date files to and from TransUnion below.

Frequently Asked Questions

What is Complaint #5022173 about?

Complaint #5022173 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 2021-12-18T12:00:00-05:00.

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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