Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #7663862
Complaint Overview
Complaint ID: 7663862
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Texas
ZIP Code: 787XX
Date Received: 2023-10-08T12:00:00-05:00
Date Sent to Company: 2023-10-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX & XX/XX/XXXX, I sent certified mail to TransUnion, along with 3 forms of id. XXXX XXXX XXXXXXXX, XXXX ) This is a formal complaint of your non-compliance with FCRA 611 ( a ) ( 1 ) and FCRA 611 ( a ) ( 6 ) ( A ). Under the provisions of FCRA 611 ( a ) ( 1 ), you are required to have conducted a reinvestigation of my dispute filed ( ) and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), you are required to have provided me written notice of the results of your reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of your reinvestigation. Since the statuory periods have expired, I consider you to be in violation of the cited sections of the FCRA. Based on your failure to verify the disputed information, you are required under section 611 ( a ) ( 1 ) to immediately delete the disputed information from my credit file. Thus, my complaint will be satisfied by timely deletion of the disputed information. I am contemplating filing a formal complaint with the FTC for your violation of your reinvestigation requirements. I would prefer to forgo such a complaint provided that I receive an immediate notice of the results of your reinvestigation or deletion of the disputed information from my credit file. Based on your failure to timely complete your reinvestigation and provide notice to me, I additionally request, under the provisions of FCRA 611 ( a ) ( 6 ) ( B ) ( III ) and FCRA 611 ( a ) ( 7 ), that your notification of results of your reinvestigation also include a description of the procedures you used to determine the results of your reinvestigation.
Frequently Asked Questions
What is Complaint #7663862 about?
Complaint #7663862 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 problem. It was received by the CFPB on 2023-10-08T12:00:00-05:00.
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 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.