Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6408613
Complaint Overview
Complaint ID: 6408613
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 status incorrect
State: Alabama
ZIP Code: 36867
Date Received: 2023-01-06T12:00:00-05:00
Date Sent to Company: 2023-01-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Thanks for taking the time to read this as I'm sure you get many of these per day. But my complaint is about my consumer report and how this company is not treating me fairly. I would say I thought this was a mistake up until I got someone knocking on my door with a garnishment letter. So then I knew it was real. After digging deeper into it, I found many violations this company is using deliberately to hurt my credit. The report shows a charge off every month from XX/XX/XXXX until XX/XX/XXXX. Once the account was charged off as a loss it was supposed to be closed and not reported every month as a Charge Off. Also, it should have only reported one Charge Off in XX/XX/XXXX but every month since then it has been reporting a charge off. This tactic XXXX is using, keeps this damaging information on your credit so you score can never build and so that it can continue to stay on your credit until 7 years after the last report was ran. The amount charged off was {$4600.00}, then the balance increased to {$5400.00} in XX/XX/XXXX, now it says the XXXX is {$6300.00} as of XX/XX/XXXX. The account is closed but still reporting a balance every month. The Date of first delinquent was XX/XX/XXXX but it is showing XX/XX/XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX all show an experience and transaction between the XXXX XXXX ( the person ) and myself ( the consumer ). Between XX/XX/XXXX and XX/XX/XXXX there is no data reported but then shows I am XXXX XXXX late in XX/XX/XXXX. The law states and I will copy it here for all to see : Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; So as you can see how congress labels everything so there is no doubt, this company has violated me so many different times.
Frequently Asked Questions
What is Complaint #6408613 about?
Complaint #6408613 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 2023-01-06T12:00:00-05:00.
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.