Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8156058
Complaint Overview
Complaint ID: 8156058
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: Credit inquiries on your report that you don't recognize
State: Michigan
ZIP Code: XXXXX
Date Received: 2024-01-13T12:00:00-05:00
Date Sent to Company: 2024-01-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I DID NOT APPLY FOR CREDIT, LIVE AT or WORK AT THE PLACES LISTED BELOW : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Employer : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document XXXX, XX/XX/2023, XXXX, XXXX of XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Frequently Asked Questions
What is Complaint #8156058 about?
Complaint #8156058 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 2024-01-13T12:00:00-05:00.
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.