Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5593225
Complaint Overview
Complaint ID: 5593225
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 92336
Date Received: 2022-05-23T12:00:00-05:00
Date Sent to Company: 2022-05-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate. By definition The IRS Clearly says a Canceled or Charge is Income. The reporting of this account as a debt is inaccurate. In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Congress clearly states if a consumer report ( credit report ) does not INCLUDE TRANSACTIONS or EXPERIENCES between the consumer ( XXXX XXXX ) and the person XXXX XXXX, XXXX ) making the report which makes your reporting of this account inaccurate and ILLEGAL. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or Experiences between the consumer ( XXXX XXXX ) and the person ( XXXX XXXX, XXXX ) making the report ;
Frequently Asked Questions
What is Complaint #5593225 about?
Complaint #5593225 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-05-23T12:00:00-05:00.
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.