Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5844953

Complaint Overview

Complaint ID: 5844953

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: Massachusetts

ZIP Code: 02169

Date Received: 2022-08-04T12:00:00-05:00

Date Sent to Company: 2022-08-04T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

They have claimed they did a proper investigation regarding these accounts below by going to the original furnishers of the information. If that is so why is the information still inaccurate? These investigations are getting ridiculous because every single time their is a alleged investigation done the new information you update is still inaccurate. If you did a proper investigation why is the information still inaccurate and why do you have to keep updating these accounts? If you can't verify the accounts properly I want them removed and they have to be removed by law. This is causing severe XXXX XXXX on my end considering my credit keeps going up and down due to these errors. Im trying to make purchases and I can't. Im trying to move on with my life but I can't. Again remove these accounts if you can't verify them properly by furnishing the correct information. They are clearly not conducting a proper investigation. I have also attached documents below comparing the accounts to the other credit bureaus so again they did the proper investigation but why are you reporting different information that is inaccurate? REMOVE THE ACCOUNTS. The accounts are below : : STUDENT LOAN ACCOUNTS : US DEPT OF ED # XXXX US DEPT OF ED # XXXX US DEPT OF ED # XXXX US DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX COLLECTION # XXXX These accounts have also been duplicated. The XXXX STUDENT LOANS are duplicates of the US DEPT OF ED LOANS which is a violation. If you compare the accounts with XXXX to the US DEPT OF ED accounts you can clearly tell by the information there the same accounts. You can not have 2 duplicate accounts reporting that are the same on a credit report which is also grounds for removal. More rights they violated below : 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They did not investigate properly and they openly admitted it. They have violated my rights again. Below are also my rights that have been violated. 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 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They didn't verify the information while doing a proper investigation according to the fair credit reporting act. Which again they have openly admitted by still furnishing inaccurate information. I want these accounts removed. They can not verify these accounts while following the fair credit reporting act. The information even when VERIFIED IS STILL INACCURATE but they claim they did a proper investigation. Documentation is attached to complaint.

Frequently Asked Questions

What is Complaint #5844953 about?

Complaint #5844953 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 2022-08-04T12:00:00-05:00.

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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