Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7182891
Complaint Overview
Complaint ID: 7182891
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: 75069
Date Received: 2023-06-28T12:00:00-05:00
Date Sent to Company: 2023-06-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Account : XXXX I am writing to bring to your attention a serious matter regarding the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your assistance in addressing this violation and ensuring the prompt removal of the negative account they have reported on my credit report. Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not mine. This inclusion of an erroneous account on my credit report is not only misleading but also has severe implications for my financial well-being. Despite my repeated attempts to rectify this issue directly with NATIONAL CREDIT ADJUST, they have disregarded my requests and have failed to take any appropriate action. I firmly believe that XXXX XXXX XXXX XXXX actions constitute a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is essential to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that clearly demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to address this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Frequently Asked Questions
What is Complaint #7182891 about?
Complaint #7182891 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 2023-06-28T12:00:00-05:00.
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.