Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8179940
Complaint Overview
Complaint ID: 8179940
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: Texas
ZIP Code: 75206
Date Received: 2024-01-18T12:00:00-05:00
Date Sent to Company: 2024-01-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX the item below has been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. I have a unalienable right to demand that they Delete the item immediately or I will be forced to take legal action! XXXXXXXX XXXX XXXX UNPAID BALANCE CHARGED OFF Re-reporting previously deleted information without proper justification under the Fair Credit Reporting Act ( FCRA ) can have serious implications for consumers. Here 's a more detailed breakdown : A case regarding violations of the Fair Credit Reporting Act ( FCRA ) involves the case of Sloane v. Equifax Information Services, LLC ( 2017 ). In this case, the plaintiff, XXXX, alleged that XXXX violated the FCRA by failing to properly investigate and correct inaccuracies on his credit report. XXXX had disputed certain items on his credit report, and despite his efforts, XXXX allegedly failed to conduct a reasonable investigation and continued to report the disputed information inaccurately. The court ruled in favor of XXXX, stating that XXXX 's failure to investigate and correct the disputed items violated the FCRA. The court awarded damages to XXXX, including statutory damages, actual damages for harm suffered, and attorney 's fees. This case highlighted the obligation of credit reporting agencies to conduct thorough investigations into disputed information and rectify inaccuracies promptly, as mandated by the FCRA. This case illustrates how courts have ruled in favor of consumers when credit reporting agencies fail to comply with FCRA requirements, leading to inaccuracies on credit reports that harm consumers ' creditworthiness. It emphasizes the importance of proper investigation and correction of disputed information under the FCRA. Penalties and Remedies for Consumers : Dispute Process : As a consumer, you have the right to dispute re-reported information with the credit reporting agency. The FCRA mandates that agencies must reinvestigate the disputed item free of charge. Correction or Deletion : If the re-reported information is found to be inaccurate, incomplete, or unverifiable after investigation, the credit reporting agency must remove or correct it. Damages : If the agency or data furnisher knowingly re-reports inaccurate information without proper justification, you might be eligible for damages. These damages can include actual damages ( financial losses ), punitive damages ( if the violation was intentional ), and potentially statutory damages per violation, which can range from {$100.00} to {$1000.00}. Attorney 's Fees : If you win a lawsuit against the credit reporting agency or data furnisher for FCRA violations, they might be responsible for covering your attorney 's fees and court costs. Reporting and Legal Action : Reporting Agencies : You can report the violation to the Consumer Financial Protection Bureau ( CFPB ), which oversees compliance with the FCRA. They accept complaints and investigate reported violations. Federal Trade Commission ( FTC ) : The FTC also handles complaints related to FCRA violations. They enforce various consumer protection laws, including the FCRA. State Attorney General : You can file a complaint with your state 's Attorney General. Some states have their own consumer protection laws that work in conjunction with the FCRA. Private Lawsuit : If the credit reporting agency or data furnisher persists in re-reporting inaccurate information without proper justification, you have the right to file a lawsuit against them. This can seek damages and require them to correct or remove the inaccurate information from your credit report
Frequently Asked Questions
What is Complaint #8179940 about?
Complaint #8179940 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-01-18T12:00:00-05:00.
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.