Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5917856

Complaint Overview

Complaint ID: 5917856

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: Georgia

ZIP Code: 31906

Date Received: 2022-08-25T12:00:00-05:00

Date Sent to Company: 2022-08-25T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. The accounts in question are below XXXX XXXX XXXX XXXXThe Following account was a charge off. The balance should be XXXX. This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. The FCRA provides a two ( 2 ) year statute of limitation commencing from the date of the violation of the Act, regardless of whether the victim even knows of the violation. It is perhaps the least consumer-friendly provision of the anti-consumer FCRA under 15 U.S.C. 1681h ( e ), then state law statute of limitations should be applied. Please remove immediately. XXXX XXXX XXXX Following account was a charge off. The balance should be XXXX. This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. The FCRA provides a two ( 2 ) year statute of limitation commencing from the date of the violation of the Act, regardless of whether the victim even knows of the violation. It is perhaps the least consumer-friendly provision of the anti-consumer FCRA under 15 U.S.C. 1681h ( e ), then state law statute of limitations should be applied. Please remove immediately. XXXX XXXX XXXX The Following account was a charge off. The balance should be XXXX. This account is reporting under another name on the other bureaus which is inaccurate and a violation. This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. The FCRA provides a two ( 2 ) year statute of limitation commencing from the date of the violation of the Act, regardless of whether the victim even knows of the violation. It is perhaps the least consumer-friendly provision of the anti-consumer FCRA under 15 U.S.C. 1681h ( e ), then state law statute of limitations should be applied. Please remove immediately. XXXX XXXX XXXX The Following account was a charge off. The balance should be XXXX. This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. The FCRA provides a two ( 2 ) year statute of limitation commencing from the date of the violation of the Act, regardless of whether the victim even knows of the violation. It is perhaps the least consumer-friendly provision of the anti-consumer FCRA under 15 U.S.C. 1681h ( e ), then state law statute of limitations should be applied. Please remove immediately. XXXX XXXX The Following account was a charge off. The balance should be XXXX. This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. The FCRA provides a two ( 2 ) year statute of limitation commencing from the date of the violation of the Act, regardless of whether the victim even knows of the violation. It is perhaps the least consumer-friendly provision of the anti-consumer FCRA under 15 U.S.C. 1681h ( e ), then state law statute of limitations should be applied. Please remove immediately. THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDENTIFY YOURSELF & Pease send validation of all above alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately. Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY.. AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately. CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY Thank you

Frequently Asked Questions

What is Complaint #5917856 about?

Complaint #5917856 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 2022-08-25T12:00:00-05:00.

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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