Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5743118
Complaint Overview
Complaint ID: 5743118
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: Texas
ZIP Code: 77014
Date Received: 2022-07-06T12:00:00-05:00
Date Sent to Company: 2022-07-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this account was ever late. The 3 credit bureaus did an improper investigation. According to the Fair Credit Report Act Account # XXXX ... .violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Account name XXXX XXXX Account number XXXX .... Recent balance {$37.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ 578 Monthly payment {$37.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. Comment history Completed investigation of FCRA dispute - consumer disagrees.| XX/XX/XXXX | XX/XX/XXXX - XX/XX/XXXX Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide 30 days past due as of XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$0.00} / XX/XX/XXXX / {$0.00} / {$280.00} XX/XX/XXXX : {$380.00} / XX/XX/XXXX / {$40.00} / {$120.00} XX/XX/XXXX : {$490.00} / XX/XX/XXXX / {$40.00} / No data XX/XX/XXXX : {$440.00} / XX/XX/XXXX / {$40.00} / No data XX/XX/XXXX : {$350.00} / XX/XX/XXXX / {$40.00} / {$40.00} XX/XX/XXXX : {$180.00} / XX/XX/XXXX / {$40.00} / {$510.00} XX/XX/XXXX : {$290.00} / XX/XX/XXXX / {$40.00} / {$530.00} XX/XX/XXXX : {$240.00} / XX/XX/XXXX / {$40.00} / {$300.00} XX/XX/XXXX : {$430.00} / XX/XX/XXXX / {$40.00} / No data XX/XX/XXXX : {$320.00} / XX/XX/XXXX / {$40.00} / {$54.00} XX/XX/XXXX : {$310.00} / XX/XX/XXXX / {$40.00} / {$61.00} XX/XX/XXXX : {$310.00} / XXXX XXXX, XXXX / {$40.00} / No data XXXX XXXX : {$21.00} / XXXX XXXX, XXXX / {$21.00} / {$320.00} XX/XX/XXXX : {$290.00} / XX/XX/XXXX / {$40.00} / {$40.00} XX/XX/XXXX : {$160.00} / XX/XX/XXXX / {$40.00} / {$50.00} XX/XX/XXXX : {$78.00} / XX/XX/XXXX / {$40.00} / {$40.00} XX/XX/XXXX : {$100.00} / XX/XX/XXXX / {$40.00} / {$200.00} XX/XX/XXXX : {$300.00} / XX/XX/XXXX / {$40.00} / No data XX/XX/XXXX : {$160.00} / XX/XX/XXXX / {$40.00} / {$290.00} XX/XX/XXXX : {$330.00} / No data/ {$40.00} / No data XX/XX/XXXX : {$290.00} / No data/ {$40.00} / No data Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$300.00}
Frequently Asked Questions
What is Complaint #5743118 about?
Complaint #5743118 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 2022-07-06T12:00:00-05:00.
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.