Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing issue -- Complaint #7470611
Complaint Overview
Complaint ID: 7470611
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-Issue: Investigation took more than 30 days
State: California
ZIP Code: 91306
Date Received: 2023-08-29T12:00:00-05:00
Date Sent to Company: 2023-08-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1968 Dear Sir/Madam, I am writing to file a formal dispute regarding inaccurate information that has been reported by XXXX XXXX, specifically related to Account Number [ Account Number ]. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws and regulations. I kindly request your assistance in enforcing my legal rights to accurate credit reporting. Account Information : Creditor : XXXX XXXX Account Number : XXXX Violations : 1. **Fair Credit Reporting Act ( FCRA ) : ** - **Section 1681e : ** XXXX XXXX has failed to maintain reasonable procedures to ensure the accuracy of the information they report. The payment status, balance, comments, payment history, and even the account number associated with Account Number [ Account Number ] might be incorrect. 2. **Fair Debt Collection Practices Act ( FDCPA ) : ** - **Section 1692e : ** The reported information may be misleading and deceptive, thereby violating FDCPA by using false, deceptive, or misleading representations. Personal Impact : This inaccurate reporting has had a profound impact on my life. For years, I have diligently managed my financial responsibilities and worked hard to build a strong credit history. However, the inaccurate information reported by XXXX XXXX has caused unwarranted confusion and stress. As a result of these inaccuracies, I have been denied credit opportunities, including a mortgage application that I had been diligently preparing for. The emotional toll and frustration of being unfairly penalized for erroneous information on my credit report can not be overstated. Resolution Request : I urge the Consumer Financial Protection Bureau to investigate this matter and ensure the enforcement of my rights under the law. I request that the inaccuracies associated with Account Number [ Account Number ] be promptly addressed. Specifically, I ask for verification of the payment status, balance, comments, payment history, and account number to ensure their accuracy. If these details are found to be incorrect or unverified, I kindly request that XXXX XXXX takes the necessary steps to correct or remove this account from my credit report completely. Enclosed with this letter are supporting documents that illustrate the inaccuracies in reporting, as well as documentation of the negative impact these inaccuracies have had on my creditworthiness and financial opportunities. I appreciate your prompt attention to this matter and request timely communication regarding the investigation and resolution process. Please provide written confirmation once the dispute has been resolved and the inaccuracies have been addressed. Thank you for your assistance in enforcing fair credit reporting practices and ensuring the accuracy of my credit history. I look forward to a swift resolution to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #7470611 about?
Complaint #7470611 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing issue. It was received by the CFPB on 2023-08-29T12:00:00-05:00.
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 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.