Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6069962
Complaint Overview
Complaint ID: 6069962
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 94585
Date Received: 2022-10-10T12:00:00-05:00
Date Sent to Company: 2022-10-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 1. I am disputing this account for inaccurate information because they are reporting the date of the last activity incorrectly. XXXX is reporting the date of the last activity as XX/XX/XXXX while Transunion and XXXX are reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. XXXX XXXX Account Number : XXXX 2. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately. XXXX XXXX Account Number : XXXX XXXX. I am disputing this account for inaccurate information because they are reporting the date of the last payment incorrectly. XXXX is reporting the date of the last payment as XX/XX/XXXX while XXXX and TransUnion are reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of first delinquency is wrong as well as manipulating the statute of limitations. XXXX Account Number : XXXX 4. Remove this account for inaccurate reporting because they have failed to report this account every month. They have not reported this account since XX/XX/XXXX which is about a year now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me. XXXX Account Number : XXXX 5. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. You are reporting the date of the last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. XXXX XXXX Account Number : XXXX 6. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Frequently Asked Questions
What is Complaint #6069962 about?
Complaint #6069962 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-10-10T12:00:00-05:00.
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.