Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5568312

Complaint Overview

Complaint ID: 5568312

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: Michigan

ZIP Code: 48198

Date Received: 2022-05-16T12:00:00-05:00

Date Sent to Company: 2022-05-16T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I have tried several times to get Transunion to investigate several incorrect items on my credit profile. Each time I submit letters, I receive correspondence back from Transunion stating they applaud my efforts in trying to repair my credit, but they have failed to send me proper investigation results. I have several accounts reporting as open on Transunion. XXXX is reporting several collection accounts with past due balances. I have written letters to both bureaus with hopes of proper investigations being completed. Both bureaus continuously violate my consumer rights by reporting incorrect information. According to the FCRA I am entitled to a correct and accurate consumer report. XXXX reports that they have completed a proper investigation, but how is that accurate or a true if account XXXX XXXX XXXX shows a past due balance and the status date is inaccurate. These are all grounds for a removal. Account # XXXXAccount XXXX XXXX XXXX shows a past due balance as well as an inaccurate status date. Also XXXX XXXX XXXX, Account # XXXX shows an incorrect status date and also a pass due balance. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) The law clearly states the credit bureaus have 5 days to notify me of when they receive my disputes. They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) If items are found inaccurate or can not be properly verified, the Consumer reporting shall promptly delete the information from the file of the consumer.

Frequently Asked Questions

What is Complaint #5568312 about?

Complaint #5568312 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 2022-05-16T12:00:00-05:00.

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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