Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5848502
Complaint Overview
Complaint ID: 5848502
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: Iowa
ZIP Code: 513XX
Date Received: 2022-08-05T12:00:00-05:00
Date Sent to Company: 2022-08-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX Below is a direct quote from XXXX. " Under the Fair Credit Reporting Act, we are required to ensure that our credit reporting is accurate and that we report payments as we receive them. We previously confirmed in our letter dated XX/XX/XXXX, a copy of which we have enclosed without the original enclosures, that we are reporting accurately to the credit reporting agencies. Our latest review confirmed our credit reporting is accurate. We are not able to assist with your additional concerns with XXXX. We recommend you contact them directly for more assistance. After reviewing your inquiry, we found no instances of deceptive tactics. We confirmed we applied your payments as we received them. Our credit reporting is accurate. '' Please explain in detail how XXXX is reporting accurately. XXXX shows XX/XX/XXXX as 60 days late Transunion shows XX/XX/XXXX as 30 days late It took me exactly 3 minutes to look this up. Is that what accurate means? You report 30 days to Transunion, and then you report 60 days to XXXX? THAT IS ACCURATE REPORTING? XX/XX/XXXX Transunion reported 30 days late, and XXXX reported 120 days late. THAT IS ACCURATE REPORTING? XXXX reports payments made for XXXX and XXXX of XXXX plus XX/XX/XXXX ( 3 months in a row ), then out of nowhere 60 days late in XX/XX/XXXX. How is it possible to make 3 payments in a row and then have a 60 day late payment on the XXXX month? No deceptive tactics? XXXX literally closed my XXXX checking account in XXXX and held thousands of dollars, hostage, for 3 months, preventing me from paying on my mortgage. It was somewhere between XXXX That's not deceptive? XXXX stated on their insurance claim website that they would send me multiple payments to pay off my roof. MULTIPLE. Then refused to send me the first payment after I got someone to come out to CONFIRM it was done. XXXX forcing me to pay the contractor who did the roof out of pocket preventing me from making my mortgage payment on time. That is not deceptive practices? Please explain. Don't give me a cut-and-paste answer either. Delinquincy date of XX/XX/XXXX. Really. That's accurate? The account was never brought up to date, which makes it impossible for that to be the delinquency date. Yes deceptive tactics to keep this on my credit report for another 5+ years.
Frequently Asked Questions
What is Complaint #5848502 about?
Complaint #5848502 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 2022-08-05T12:00:00-05:00.
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.