Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7968047
Complaint Overview
Complaint ID: 7968047
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 773XX
Date Received: 2023-12-07T12:00:00-05:00
Date Sent to Company: 2023-12-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I wrote letters to the credit bureaus to reinvestigate these accounts, However, they stated everything was complete and accurate. Specifically, I asked for the original application bearing my signature as proof, which they have failed to provide. This situation is a clear violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681. The accounts in question, detailed below, infringe upon my rights to privacy and confidentiality as stipulated in the Act. Account Numbers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my XXXX to have these accounts reinvestigated by the Credit Bureau ( XXXX ) XXXX their response was that the information was accurate. This is perplexing, especially when the open dates, dates of last activity, payment history and among other details, are evidently incorrect. Attached are screenshots as evidence of these discrepancies. According to 15 USC 1681i ( 15 ), there is an obligation to modify accounts that are inaccurately reported. Furthermore, the following sections of the FCRA support my claim : 15 USC 1681 Section 602 A, which underscores my right to privacy. 15 USC 1781 604 Section 2. 15 USC 1681c ( a ) ( 5 ), which specifies the prohibitions on consumer reporting. 15 USC 1681 2 ( a ) ( 1 ), regarding the restrictions on furnishing consumer information. Additionally, XXXX practices appear non-compliant with the XXXX XXXX credit reporting standards. I have substantial evidence to support my claims and am prepared to present this if required. I seek your assistance in addressing this matter with all 3 credit bureaus to ensure that my consumer rights are upheld, and the inaccuracies in my credit report are duly rectified.
Frequently Asked Questions
What is Complaint #7968047 about?
Complaint #7968047 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-12-07T12:00:00-05:00.
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.