Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6488058

Complaint Overview

Complaint ID: 6488058

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: Investigation took more than 30 days

State: Maryland

ZIP Code: 21742

Date Received: 2023-01-25T12:00:00-05:00

Date Sent to Company: 2023-01-25T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

15 U.S.C 1681 ( A ) ( 4 ) Here is a need to ensure that Consumer Reporting Agencies Exercise their grave responsibilities with fairness, impartiality And a respect for the consumers rights to privacy. 15 U.S.C. Section 604 ( A ) ( 2 ) A consumer reporting agency can not Furnish an account without my written permission I AM NOW ENACTING MY CONSUMER AND CIVIIL RIGHTS TO COMPEL YOU TO ANNUL, with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR OTHERWISE NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately do so TODAY, even right now! The obvious infractions are as follows XXXX XXXX XXXX Card Account # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX & XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Numbers XXXX XXXX and XXXX XXXX XXXX XXXX Account Number XXXX XXXX By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations , I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you via certified mail. It has been over thirty ( 30 ) days and according to the FCRA any complaint that goes past Thirty days MUST be removed from consumers ' credit reports. Any missed spelled or incorrect information must be removed from consumers ' credit report Amount of Debt {$460.00}. Date of Services : XX/XX/XXXX. Provider of Service : XXXXY XXXX Amount of Debt : XXXX. Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX Amount of Debt : XXXX Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom XXXX XXXX XXXXn : I would like to start this conversation off my requesting you cease and desist from further contacting me about another individual debt. I find it to reckless and a blatant disregard of privacy to share another persons information on what you believe that since my last name is XXXX that it must be me. The information you provided me is a VOID of my legal name and signature. Furthermore, your cut-and-paste tactics on the address are reckless and fraudulent. I have never requested from your office a debt validation letter, and I have never given your office any correspondence besides this one asking for anything, but that you CEASE & DESIST from contacting me about another persons debt. Collections companies purchase debt for pennies on the dollar and then chase down what I call pin the tail on the donkey in hopes to collect money. The original company wrote off the debt on their taxes, and now companies such as this one use any tactics which are against the law and pay the big three ( 3 ) to furnish these untrue unproven statements on consumers credit reports which is WRONG! I have never given WRITTEN PERMISSION to XXXX XXXX I, XXXX to furnish anything against my credit report. Thank you XXXX XXXX XXXX XXXX

Frequently Asked Questions

What is Complaint #6488058 about?

Complaint #6488058 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 2023-01-25T12:00:00-05:00.

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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