Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7074379

Complaint Overview

Complaint ID: 7074379

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: 94513

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

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

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to you to report an unjustified derogatory statement on my credit report, which remains on my credit bureau report, including TranUnion LLC. The comment is an error because XXXX XXXX XXXX ( XXXX ) credited the wrong account for {$2300.00}. The error resulted in late fees and interest charges on an incorrect balance, as XXXX had not credited my account. XXXX received a check from XXXX XXXX XXXX XXXX on my behalf on XX/XX/XXXX, cashed it on XX/XX/XXXX, and credited it to another account error. As a result, late payments were reported in error to the credit bureaus, adversely affecting my credit ratings from the high XXXX to the mid and high XXXX. Since providing evidence of payments and disputing the derogatory comments on my credit report, XXXX has finally corrected their error and credited my account for the {$2300.00} and all late fees and interest charges, demonstrating that I was not in error in my dispute. However, the credit bureau, TransUnion, has declined to fix the problem because of incomplete information about the dispute provided by XXXX. They needed to report an accurate outstanding balance, the reimbursed late fees and interest charges, and a full accounting and admission of the errors by the bank. I

Frequently Asked Questions

What is Complaint #7074379 about?

Complaint #7074379 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 2023-06-05T12:00:00-05:00.

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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