Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5898034
Complaint Overview
Complaint ID: 5898034
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: Tennessee
ZIP Code: 37115
Date Received: 2022-08-19T12:00:00-05:00
Date Sent to Company: 2022-08-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Transunion A complaint was filed with Transunion complaint number XXXX for reporting inaccurate information regarding names, addresses, fictitious child support information which has a XXXX balance and department of education debt regarding a balance which can not be proven to be owed by the consumer. Transunion has violated fair credit reporting act pursuant to 15 U.S.C. 1681b ( 2 ) -permissible purposes for consumer reports and 15 U.S.C 1681s- ( 2 ) ( b ) -Responsibilities of furnishers of information to consumer reporting agencies. ( B ) Duty to correct and update information. A person who- has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. The alleged third party debt collector XXXX/U.S. Department of Education nor did Transunion obtain permission to compel the use, alter and sell the social security number regarding an alleged debt created on the back of nothing when the consumer who is the original creditor extended credit which is due back to him. Such negligence also violates fair credit reporting act, fair debt collection practices act, 15 U.S.C. 1681c-1-identity theft prevention ; fraud alerts and active duty alerts, 15 U.S.C . 1681j-charges for certain disclosures, failure to investigate, violation of 15 U.S.C. 1611-criminal liability for willful and knowing violation, violation of 15 U.S.C. 1641-liability of assignees, 15 U.S.C. 1642-issuance of credit card which clearly states that no credit card shall be issued except in response to a request or application thereof. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit, violation of 15 U.S.C. 1640-civil liability, violation of truth and lending regulation Z regarding XXXX/U.S. Department of Education because banks dont lend money nor do they lend assets of theyre depositors, violation of 15 U.S.C. 1681n- civil liability for willful noncompliance, violation of 1681o-civil liability for negligent noncompliance, violation of 15 U.S.C. 1681d-disclosure of investigative consumer reports, violation of 15 U.S.C. 1681-procedure in case disputed accuracy and violation of 15 U.S.C. 1681l- restriction on investigative consumers reports, violation of 1028a-aggravated identity theft, violation of 15 U.S.C 1692k-civil liability , 18 U.S.C .1028- Fraud and related activity in connection with identification and grand larceny.
Frequently Asked Questions
What is Complaint #5898034 about?
Complaint #5898034 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 2022-08-19T12:00:00-05:00.
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.