Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5856496

Complaint Overview

Complaint ID: 5856496

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: Puerto Rico

ZIP Code: 00949

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

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

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, BUT THEY WILL GET AWAY WITH IT? Just this morning, Monday, XX/XX/XXXX, I found out through XXXX XXXX XXXX free credit reporting service called XXXX XXXX, that Trans Union not only does not show anymore my 2 accounts with XXXX XXXX as negative and derogatory accounts, BUT THAT THOSE 2 ACCOUNTS WERE ELIMINATED FROM THE TRANS UNION CREDIT REPORT AS IF IT NEVER HAPPENED? THIS DOES NOT SOLVE MY PROBLEM EITHER : ALL MY EFFORTS STEP BY STEP TO FULLY UPDATE AND PAY THIS 2 ACCOUNTS WITH XXXX WERE SIMPLY ERASED AS IF IT NEVER HAPPENED? I PAID AS AGREED A CERTIFIED PAYMENT AGREEMENT DIRECTLY WITH THIS BANK NEVER TO A COLLECTION AGENCY TO THE ORIGINAL ACCOUNT NUMBER AT THEIR OWN BRANCHES IN CASH, THERE ARE 2 LETTERS CERTIFYING THE BEGINING AND THE END OF THE CERTIFIED AGREEMENT BOTH FROM XXXX, A COLLECTION AGENCY LETTER RECOGNIZING THIS AGREEMENT INFORMING XXXX WAS GOING TO REPURCHASE THIS ACCOUNT AND RECOGNIZING I WAS PAYING DIRECTLY TO XXXX, AND ALSO, THERE IS A XXXX LOAN I FULLY UPDATED DIRECTLY WITH XXXX STEP BY STEP UNTL 34 REGULAR MONTHLY PAYMENTS AFTER IT WAS UPDATED ON XX/XX/XXXX THE SAME BANK SANTANDER PROHIBITED ME TO CONTINUE TO PAY IT? RETURNING MY LAST PAYMENT JUST TO KEEP REPORTING IT WAS A LOSS AND FAILED TO PAY WITHOUT NEVER UPDATING THE CREDIT REPORTS? ALL MY EFFORTS ARE GOING TO BE THROWN TO THE TRASH? XXXX OR THEIR NEW PARTNER XXXX XXXX DECIDED THIS SOLVES EVERYTHING? THAT IS NOT TRUE : DURING ALL THOSE YEARS OF INCORRECT AMD NOT PRECISE CREDIT REPORTING BY XXXX, SPONSORED NOW BY XXXX XXXX, MY CREDIT REPORT WAS SHOWING FALSE DELINQUENCIES FOR THIS 2 ACCOUNTS, I WAS CONSISTENTLY DENIED UNFAIRLY EVEN FOR SMALL LOANS UNLESS AT A TOO HIGH INTEREST RATE FOR AFFECTED CREDIT, HAD TO ACCEPT 2 MASTER CARDS FROM XXXX XXXX XXXX AT A TOO HIGH INTEREST RATE OF 36 % THAT EVEN TODAY 5 YEARS AFTER WAS UNABLE TO CLOSE WITH A NEW SMALL LOAN JUST TO CLOSE THIS 2 CARDS WITH NO MONEY LEFT FOR ANYTHING ELSE? ALL THE NEEDS WERE NOT COVERED, HAD TO APPLY WITH MY MOTHER AS CO DEBTOR SEVERAL TIMES AND EVEN WAS DENIED WITH HER LAST TIME AT A PRE APPROVAL FROM XXXX XXXX XXXX FOR THIS PURPOSE?

Frequently Asked Questions

What is Complaint #5856496 about?

Complaint #5856496 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 2022-08-08T12:00:00-05:00.

How did Transunion Intermediate Holdings, INC. respond to this complaint?

The company responded with: "Closed with explanation". 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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