Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6497612

Complaint Overview

Complaint ID: 6497612

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: Illinois

ZIP Code: 60623

Date Received: 2023-01-27T12:00:00-05:00

Date Sent to Company: 2023-01-27T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Consumer reporting agencies may not report outdated negative information that is more than seven years old, or XXXX that are more than XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute to the Transunion Consumer Reporting Agency that the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are too old to be still negatively affecting my credit report and were supposed to have fallen off my credit report by XX/XX/XXXX at the latestyet even after Transunion investigated the dispute XXXX Transunion did not remove the outdated account, which has sustained the potential for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to negatively impacting my credit score beyond the date of XX/XX/XXXX, which has contributed to impeding me from improving my XXXX XXXX to get the best available terms on future loans. Furthermore, in XXXX, Transunion is also reporting that a XXXX XXXX XXXX account with a {$0.00} balance which was closed on XX/XX/XXXX and is still in pending litigation was worthy of negatively affecting my credit score, and between XX/XX/XXXX and XX/XX/XXXX, Transunion reporting of XXXX XXXX XXXX cost me XXXX points off my credit score. I have called Transunion and attempted to resolve the matter, and although Transunion is the entity reporting the negative information that already has a XXXX balance and a closed date, Transunion still refused to fix the blatant error, and the Transunion phone representative advised me to reach out to the creditor XXXX XXXX XXXX ; which I already explained to the Transunion phone representative that I had done, and yet the matter still wasn't resolved.

Frequently Asked Questions

What is Complaint #6497612 about?

Complaint #6497612 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 2023-01-27T12:00:00-05:00.

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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