Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7290784

Complaint Overview

Complaint ID: 7290784

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: Pennsylvania

ZIP Code: 19141

Date Received: 2023-07-23T12:00:00-05:00

Date Sent to Company: 2023-07-23T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX Account : XXXX and Account : XXXX listed on XXXX, TransUnion, & XXXX to reverse the late payments on my consumer report, to no avail. XXXX has charged to my account LATE CHARGES, and XXXX, TransUnion, & XXXX have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ). I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.

Frequently Asked Questions

What is Complaint #7290784 about?

Complaint #7290784 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 2023-07-23T12:00:00-05:00.

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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