Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8322632
Complaint Overview
Complaint ID: 8322632
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: Public record information inaccurate
State: California
ZIP Code: 90015
Date Received: 2024-02-10T12:00:00-05:00
Date Sent to Company: 2024-02-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to file a formal complaint regarding the conduct of TransUnion, a major credit reporting agency. I believe TransUnion has violated the Fair Credit Reporting Act ( FCRA ) by not following proper procedures in verifying account information and reporting bankruptcy data. Upon reviewing my credit report obtained from TransUnion on XX/XX/, I discovered inaccuracies related to a bankruptcy filing. It has come to my attention that TransUnion did not directly contact the furnisher of the account, as mandated by law. Instead, they relied on third-party verification processes, such as PACER ( Public Access to Court Electronic Records ) . I wish to emphasize that verification through third parties like PACER is not adequate verification as stipulated by the law. The FCRA requires credit reporting agencies to directly contact the source of the information, i.e., the furnisher of the account, to ensure accuracy and reliability. This violation has had a detrimental impact on my creditworthiness and overall financial standing. As a result of the inaccurate reporting of bankruptcy, I have faced negative consequences, such as denial of credit or higher interest rates. Although I have initiated the dispute process with TransUnion to rectify the inaccuracies, I am deeply concerned about the broader implications of their failure to comply with the FCRA. It is crucial that credit reporting agencies adhere to the law to uphold the integrity of consumer credit reports and protect consumers ' rights. I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their non-compliance with the FCRA. Additionally, I seek assistance in resolving the inaccuracies on my credit report and ensuring that my rights as a consumer are safeguarded. Thank you for your attention to this matter. I anticipate a prompt response and resolution of this issue. Sincerely,
Frequently Asked Questions
What is Complaint #8322632 about?
Complaint #8322632 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 2024-02-10T12:00:00-05:00.
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.