Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5924274
Complaint Overview
Complaint ID: 5924274
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: Mississippi
ZIP Code: 38655
Date Received: 2022-08-28T12:00:00-05:00
Date Sent to Company: 2022-08-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the XXXX asking for the proof that I was in fact late, on { the month they reported but they never responded. Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX BANK Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUAL ABOUT WHOM THE REPORT RELATES. PLEASE SEE BELOW ATTACHMENT
Frequently Asked Questions
What is Complaint #5924274 about?
Complaint #5924274 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 2022-08-28T12:00:00-05:00.
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.