Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6197790

Complaint Overview

Complaint ID: 6197790

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: Pennsylvania

ZIP Code: 19120

Date Received: 2022-11-11T12:00:00-05:00

Date Sent to Company: 2022-11-11T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Checking a credit report that's supposed to be associated with me and my personal business. I come across some hard inquries that TRANSUNION refuse to remove with my oral and written consent per 15 USC 1681 d ( 1 ) & ( 2 ) and request serveral times. I gave the bureau applical evidence and findings. PERMISSIBLE PURPOSE MEANS : EMPLOYMENT INSURANCE COURT ORDER FIRM OFFER OF CREDIT *** THIS IS STRAIGHT FROM TRANSUNION WEBSITE*** & FCRA Permissible Purpose Compliance Notifications Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. In accordance with the written instructions of the consumer to whom it relates. To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account. I understand 15 USC 1681 ensures me These inquries have no permissible purpose to be in a credit profile that I dO NOT HAVE ANY ACCOUNTS WITH. 1. XXXX XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 3. XXXX XXXX XXXX XX/XX/2022 *** XXXX FOUND NO RECORDS OF THESE ACOUNTS AND DELETED THE INQURIES. 4. XXXX ACCOUNT # XXXX. UPDATED TO ''PAID AS AGREED '' LIKE XXXX XXXX XXXX XXXX SHOW YOUR PROOF OF ME NOT PAYING THIS ACCOUNT OFF.

Frequently Asked Questions

What is Complaint #6197790 about?

Complaint #6197790 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 2022-11-11T12:00:00-05:00.

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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