Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5086155

Complaint Overview

Complaint ID: 5086155

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: Pennsylvania

ZIP Code: 19454

Date Received: 2022-01-08T12:00:00-05:00

Date Sent to Company: 2022-01-08T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Transunion ( " the CRA '' ) has committed multiple FCRA violations against me. Transunion has consistently stamped my disputes as " verified '' and " accurate '' without conducting reasonable investigations. The CRA has returned investigation results noted " updated '' with no updates. They have reported late payments on accounts of mine that are paid and closed. The CRA has violated my rights and completely ignored any procedural rules required by the FCRA. I have attached, in detail, an initial review of at least 10 accounts that should have been removed from my credit file because they were not corrected or updated. Instead, the CRA stamped these accounts " verified and " accurate '' and repeatedly re-verified as accurate, with absolutely no proof. ( see attached document ) Here are the violations I am seeking remedy for : 1. Failure to properly investigate my disputes 2. Failure to update, correct or delete inaccurate information on my Transunion report 3. Failure to disclose information to me that is relevant to the investigations 4. Failure to send me complete and accurate reports 5. Knowingly falsifying my credit report with negative information 6. Knowingly inserting late payments on accounts that were paid and closed 7. Failure to conduct a reasonable investigation 8. Extending the investigation period for me longer than legally permitted 9. Failure to consider and review all relevant information in my disputes 10. Failure to remove inaccurate unverifiable information

Frequently Asked Questions

What is Complaint #5086155 about?

Complaint #5086155 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 2022-01-08T12:00:00-05:00.

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.

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