Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6177088
Complaint Overview
Complaint ID: 6177088
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: Ohio
ZIP Code: 44313
Date Received: 2022-11-07T12:00:00-05:00
Date Sent to Company: 2022-11-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Transunion did not make sure it was reporting 100 % correct. The Fair Credit Reporting Act states that everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I sent a letter to Transunion in XX/XX/2022 requesting them to remove this inaccurate information. They replied that these accounts were investigated and came back as verified, without stating who conducted the investigation, their process or how they were able to find that these accounts were valid when there's obvious inaccuracies showing on my report. As a consumer, I now request to know all the steps Transunion took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. I also would like to be sent a copy of the following documentation that would need to be had to prove that these accounts are valid : The original contracts that were provided to verify debt. Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance Who verified these accounts? ( Provide the department and Supervisor contact information ) How were these items verified? The original contracts that were provided to verify debt. Payoff and Interest Disclosures Balance and Payment History for all debt XXXX XXXX
Frequently Asked Questions
What is Complaint #6177088 about?
Complaint #6177088 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 2022-11-07T12:00:00-05:00.
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.