Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7059411

Complaint Overview

Complaint ID: 7059411

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: California

ZIP Code: XXXXX

Date Received: 2023-06-01T12:00:00-05:00

Date Sent to Company: 2023-06-01T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to file a formal complaint against XXXX, a creditor reporting information on my credit reports, and XXXX, XXXX, and TransUnion, the credit reporting agencies. I have discovered significant discrepancies and conflicting information on my three credit reports, which are causing substantial financial harm and hindering my ability to secure a mortgage for a home purchase. The crux of the issue lies with two XXXX accounts that are being reported to all three credit reporting agencies. Although the accounts are the same, the information being reported to each agency differs significantly, resulting in inconsistent payment histories and misleading representations of my creditworthiness. Upon noticing these inconsistencies, I promptly initiated an investigation dated XX/XX/2023 in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ) ( B ) ( ii ). XXXX, XXXX, and TransUnion each claimed to have conducted an investigation and assured me that any inaccuracies would be rectified. However, despite their assertions, the updated credit reports dated XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, all contain the same exact inaccurate and harmful payment history being reported in three different ways to each of the three agencies This continued inconsistency is deeply concerning and proves without a doubt that a fair investigation was not conducted, as the discrepancies remain unresolved. The gravity of this situation can not be overstated. These discrepancies have caused me significant financial damages, as they have negatively impacted my creditworthiness and hindered my ability to obtain a mortgage for my intended home purchase. Despite my repeated attempts to resolve the matter, a fair investigation has not been completed, thereby prolonging the adverse effects on my financial standing. In light of these circumstances and in accordance with 15 U.S.C. Section 1681i ( a ) ( 1 ) ( A ) & 15 U.S.C. Section 1681i ( a ) ( XXXX ) ( A ), I demand that the two XXXX accounts in question be promptly and permanently deleted from my credit reports. Furthermore, I request a thorough and impartial investigation into the handling of my dispute by XXXX, XXXX, and TransUnion, to ensure that all relevant facts are considered and the appropriate actions are taken to rectify this situation. I have attached copies of the conflicting credit reports, along with any relevant correspondence and documentation, for your review and reference. I kindly request that you investigate this matter promptly and provide me with a written response outlining the actions taken to address these discrepancies. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure a fair resolution and rectify the damages caused by these inaccuracies. I eagerly await your response.

Frequently Asked Questions

What is Complaint #7059411 about?

Complaint #7059411 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 2023-06-01T12:00:00-05:00.

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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