Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8247313
Complaint Overview
Complaint ID: 8247313
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: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 752XX
Date Received: 2024-01-29T12:00:00-05:00
Date Sent to Company: 2024-01-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that both TransUnion and XXXX are reporting conflicting information regarding the " date last active '' for this account. TransUnion is reporting the date last active as XXXX, while XXXX is reporting it as XXXX. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. Furthermore, I must highlight that XXXX has already deleted this account from my credit report due to my information being compromised in the XXXX data breach and the account not being verified. Therefore, the inclusion of this account by TransUnion and XXXX is entirely unjustified and constitutes false reporting. Additionally, I would like to emphasize that this account is uncollectible under the statute of limitations, which is 4 years in the state of Texas. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. I have previously requested your method of verification, and you have failed to comply with this request, thereby further violating the Fair Credit Reporting Act 611 ( a ) ( 7 ). Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. I hereby demand the immediate removal of account XXXX from my credit reports maintained by TransUnion and XXXX. I expect confirmation of this action within 7-10 days.
Frequently Asked Questions
What is Complaint #8247313 about?
Complaint #8247313 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 2024-01-29T12:00:00-05:00.
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.