Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7243327
Complaint Overview
Complaint ID: 7243327
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 94607
Date Received: 2023-07-12T12:00:00-05:00
Date Sent to Company: 2023-07-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to report an unfortunate and unsettling experience I had with TransUnion, a credit reporting agency. Despite making numerous attempts to correct my personal information and rectify inaccuracies on my credit report, I have faced significant difficulties that not only violate my rights as a consumer but have also left me deeply frustrated. I sent a dispute letter to TransUnion on XX/XX/2023, which was received by them, as certified, on XX/XX/2023. On XX/XX/XXXX, I contacted the agency and was informed that no action had been taken as the instructions in my letter were supposedly unclear. I reiterated my request to correct my personal information and remove inaccurate accounts including collections, charge-offs, and other erroneous information. The agent assured me that my personal information had been updated, the inaccurate accounts removed, and that I should see the update within seven days. However, I have encountered significant technical issues with the TransUnion website, effectively blocking me from accessing my account and thereby denying me the ability to verify the corrections. A representative did acknowledge the problem and promised resolution within 48 hours. This timeframe has since passed, and I still am unable to access my account. Furthermore, in my pursuit to obtain a copy of my report, I was transferred to a different agent. Despite a previous confirmation that there were no negative accounts on my report, this new agent informed me that my account was in dispute and, therefore, she was unable to provide me with a copy of my report. Yet, she stated that my credit report- which is still disputed and potentially inaccurate - would remain available to creditors. This is deeply concerning and, to my understanding, violates my rights under the Fair Credit Reporting Act. I sought further clarification by requesting a transfer to a supervisor, only to be abruptly hung up on by the agent, further exacerbating my dissatisfaction with the service I received. In light of these events, I kindly request the intervention of the Consumer Financial Protection Bureau to address these discrepancies, ensure my consumer rights are upheld, and help rectify this situation promptly. I believe that access to accurate personal credit information is crucial and any impediment in this regard needs to be addressed immediately.
Frequently Asked Questions
What is Complaint #7243327 about?
Complaint #7243327 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-07-12T12:00:00-05:00.
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.