Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6600149
Complaint Overview
Complaint ID: 6600149
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 75081
Date Received: 2023-02-21T12:00:00-05:00
Date Sent to Company: 2023-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : XXXX Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$1200.00} Account Status : DEROGATORY Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. My Remark : I DID NOT REPORT DISPUTE WAS RESOLVED THIS IS A LIE AND VIOLATING MY RIGHTS, XXXX XXXX CARD SERVICES : XXXX Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$840.00} Date of Last Activity : XX/XX/2015 Account Status : DEROGATORY Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees My Remark : I had my card stolen at the end XX/XX/2015 and called immediately to report the stolen card. XXXX XXXX XXXX XXXX told me that they can freeze my account and issue me a new credit card, after weeks of waiting I tried to pay my bill during the due date ( at the time the amount of around $ XXXX {$500.00} ) and without informing and my consent, XXXX XXXX CARD SERVICES closed my account on their Date of Last Activity : XX/XX/2015, which is not my date of last activity. This also violated my rights., XXXX XXXX XXXX XXXX XXXX : XXXX Payment Status : Current High Balance : {$1000.00} Creditor Remarks : Closed or paid account/zero balance Account Status : Paid, XXXX XXXX XXXX : XXXX XXXX XXXX : COLLECTION/CHARGE_OFF Amount : {$1400.00} Account Status : DEROGATORY, XXXX XXXX XXXXXXXX : XXXX, HARD INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Frequently Asked Questions
What is Complaint #6600149 about?
Complaint #6600149 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-02-21T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.