Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7243644
Complaint Overview
Complaint ID: 7243644
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: Texas
ZIP Code: 75028
Date Received: 2023-07-12T12:00:00-05:00
Date Sent to Company: 2023-07-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
WILLFULLY KNOWINGLY FURNISHING AND REPORTING OLD OUT OF DATE SCORES TO CAUSE CONSUMER HIGHER " MORTGAGE '' INTEREST RATE ON NEW LOAN ; 1 ) THE FAILURE TO UPDATE MY FICO MORTGAGE SCORE ; SPECIFICALLY SCORES XXXX & XXXX ; XXXX ) FAILURE TO " ACT '' CONTRIBUTES TO ECONOMIC NEGLIGENCE AND DAMAGES. NOTICE : TWO SPECIFIC AGENCIES [ TRANSUNION AND XXXX ] REPORTING OLD OUTDATED FICO MORTGAGE SCORES UNDER XXXX & XXXX ; ARE PUT ON NOTICE THAT THEIR FAILURE TO " ACT '' TIMELY AFTER MULTIPLE REQUEST WILL CAUSE THE CONSUMER TO PAY A HIGHER MORTGAGE LOAN INTEREST RATE. IN COMPARISON XXXX HAS FOLLOWED THE FCRA ; THEY ARE THE EXAMPLE AND THEY HAVE A SCORE [ [ [ XXXX ] ] ] POINTS HIGHER THAN XXXX 'S MORTGAGE SCORE AND TRANSUNION IS [ [ [ XXXX ] ] ] POINTS LOWER THAN XXXX WHICH HAS BEEN THE LEADER IN UP TO DATING MY FICO. THE DOCUMENTED FAILURE TO ACT IN A TIMELY MANNER AFTER MULTIPLE REQUEST IS NEGLIGIBLE UNDER FEDERAL DEPORT LENDING INS INCLUDING BUT NOT LIMITED TO ( TILA ), 15 USC 1601 ET SEQ., AND CONSUMER CREDIT PROTECTION ACT 9PUB.L.90-321 ; REGULATION Z 12 CFR 226.
Frequently Asked Questions
What is Complaint #7243644 about?
Complaint #7243644 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 2023-07-12T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.