Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5062826
Complaint Overview
Complaint ID: 5062826
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: Old information reappears or never goes away
State: Michigan
ZIP Code: 48603
Date Received: 2022-01-02T12:00:00-05:00
Date Sent to Company: 2022-01-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Several dispute letters sent to Company and Credit Bureaus. Company has not responded to anything including CFPB complaint ( s ) : XX/XX/XXXX [ # XXXX ] XX/XX/XXXX [ # XXXX ] Company is reporting old information and Michigan Statue of Limitation on Credit Card Debt is 6 years. Once the statute of limitations has passed, the debt becomes time-barred, and the creditor can not sue you to collect it. This account was open on XX/XX/XXXX and updated on XX/XX/XXXX stating that Consumer is 90 days late on XX/XX/XXXX & XX/XX/XXXX BUT Closed & Last Activity on XX/XX/XXXX and Charged Off on XX/XX/XXXX. The clock starts ticking when you fail to make a payment and it can be reset if you make a partial payment. Per Consumer Report the last FAILED payment was XX/XX/XXXX. All of these dates are inconsistent and the company has made several violations : 1. XXXX Consumer account by reporting the date of the last activity instead of the date of the first delinquency-FCEA Section 605 ( c ) - {$1000.00} Fine 2. Limit on Collection Time Barred Debt-12 CFR 1006 26 ( b ) Prohibits a collector from initiating or threatening to bring a time barred collection action. 3. Refusal to correct information after being provided proof of accuracy.-FCRA Section 623. XXXX v Transunion Corp. US Court of Appeals for the third Circuit Court Case XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, Filed ( DC XXXX XXXX ) 4. Failure to respond to Consumer written disputes within 30 days-FCRA Section 611 Part ( A ) ( 1 ) - {$1000.00} Fine 5. Failure to report disputed debt to credit bureaus-FDCA Section 807 ( 8 ) - {$1000.00} Fine 6. Failure to validate debt-FDCPA Section 809 ( b ) - {$1000.00} Fine 7. Failure to validate and report to Credit Bureaus-FDCPA Section 809 ( b ) - {$1000.00} Fine 8. Report Consumer credit inaccurately-US Court of Appeals XXXX Circuit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- {$1000.00} Fine 9. Failure to report disputed debt as disputed debt to credit bureaus-FCRA Section 623- {$1000.00} Fine
Frequently Asked Questions
What is Complaint #5062826 about?
Complaint #5062826 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 2022-01-02T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.