Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8278176
Complaint Overview
Complaint ID: 8278176
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: California
ZIP Code: 91773
Date Received: 2024-02-03T12:00:00-05:00
Date Sent to Company: 2024-02-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I looked at my report back in XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent multiple letters and disputes to TransUnion, XXXX and XXXX throughout XXXX and into XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. So I then asked them to provide me a description of the investigation according to 15 USC 1681 i ( 7 ) : ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. They are also breaking these laws as well below According to 15 USC 1681 i ( 5 ) states this ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( a ) DUTY OF FURNISHERS OF INFORM ATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The below accounts have been disputed and additional information provided to the bureaus and yet they still allow it to remain on my credit reports. Collector, acct #, amount collector : XXXX XXXX, XXXX XXXX, {$11000.00} collector : XXXX XXXX, XXXX XXXX, {$9700.00} collector : XXXX XXXX, XXXX XXXX, {$4500.00} collector : XXXX XXXX XXXX XXXX, XXXX XXXX, {$7900.00} collector : XXXX XXXX XXXX XXXX, XXXX XXXX, {$31000.00} collector : XXXX XXXX XXXX, XXXX XXXX, {$2400.00} collector : XXXX XXXX XXXX, XXXX, {$6900.00} collector : XXXX XXXX XXXX, XXXX, {$160.00} collector : XXXX XXXX XXXX {$1900.00} collector : XXXX XXXX XXXX, XXXX, {$1300.00} collector : XXXX XXXX XXXX, XXXX XXXX {$2400.00} collector : XXXX. XXXX, XXXX, XXXX, {$1000.00} This is unfair and if they are doing this to me imagine who else they are doing this to. Can you fix?
Frequently Asked Questions
What is Complaint #8278176 about?
Complaint #8278176 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 2024-02-03T12:00:00-05:00.
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.