Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7223375

Complaint Overview

Complaint ID: 7223375

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: Florida

ZIP Code: 335XX

Date Received: 2023-07-08T12:00:00-05:00

Date Sent to Company: 2023-07-08T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to dispute the accuracy of a bankruptcy record that is being reported by Transunion, XXXX, XXXX, and XXXX on my credit report. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure the removal of this erroneous information from my credit file. Additionally, I would like to emphasize the importance of consumers ' right to privacy, as guaranteed by the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( USC ). Under 15 USC 1681 ( a ) ( 4 ), it is explicitly stated that " there is a need to ensure that Consumer Reporting Agencies ( CRAs ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' I firmly believe that the reporting of my bankruptcy information violates this fundamental right to privacy. Contrary to the claim that bankruptcy records are public information, I contend that consumers have an inherent right to privacy with regard to their financial matters. Furthermore, as per the provisions outlined in 15 USC 1681i ( b ) ( iii ), the investigation conducted by the CRAs should not include factual information but rather be limited to the mention of the consumers ' character, general reputation, characteristics, or mode of living, as specified in 15 USC 1681a ( e ). Therefore, any investigation or findings by the CRA regarding the accuracy and completeness of bankruptcy information should adhere to these guidelines. In light of the aforementioned legal provisions, I request the following actions to be taken : A thorough investigation of the accuracy of the reported bankruptcy information. Verification of the procedure used by Transunion, XXXX, XXXX, and XXXX to determine the accuracy and completeness of the information. Disclosure of the business name, address, and telephone number of any furnisher of information contacted in connection with this bankruptcy record. Removal of the erroneous bankruptcy information from my credit file and all associated credit reports. Notification of the outcome of the investigation and the actions taken to rectify this situation. I appreciate your prompt attention to this matter and expect a timely resolution. Please be advised that failure to comply with the provisions of the FCRA and USC may result in legal action being taken against the reporting entity. I trust that the CFPB will act diligently to ensure that consumers ' rights are protected and that accurate information is reflected in their credit reports. Enclosed with this letter are copies of relevant supporting documents, including my credit report showing the disputed bankruptcy record. Please let me know if you require any additional information or documentation to proceed with the investigation. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

Frequently Asked Questions

What is Complaint #7223375 about?

Complaint #7223375 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 2023-07-08T12:00:00-05:00.

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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