Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8426597
Complaint Overview
Complaint ID: 8426597
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: Investigation took more than 30 days
State: Alabama
ZIP Code: 355XX
Date Received: 2024-02-26T12:00:00-05:00
Date Sent to Company: 2024-02-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. XXXX TransUnion TransUnion 2 Year Payment History XXXX XXXX XXXX XXXX XXXX OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Open Account Type : Installment Balance Owed : {$420.00} Credit Limit : {$0.00} Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Creditor Type : Unsecured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$430.00} Last Payment : XX/XX/XXXX Past Due Amount : {$420.00} Payment Amount : {$84.00} Payment Status : Late 120 Days Term Length : XXXX XXXX TransUnion TransUnion 2 Year Payment History XXXX OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Account closed by consumer Creditor Type : Secured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$1000.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Current Term Length : XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX TransUnion TransUnion 2 Year Payment History XXXX OK Account # : XXXX Account Description : Individual Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Closed Creditor Type : Unsecured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$30000.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Current Term Length : XXXX XXXX TransUnion TransUnion 2 Year Payment History XXXX XXXX OK OK Account # : XXXX Account Description : Individual Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Closed Creditor Type : Secured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$430.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Late 60 Days Term Length : XXXX XXXX XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX Account Description : Joint Account Status : Derogatory Account Type : Installment Balance Owed : {$0.00} Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX SSN XXXX XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Credit Limit : {$0.00} Creditor Remarks : Settled - less than full balance Creditor Type : Auto Loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$17000.00} Last Payment : - Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Current Term Length : XXXX The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, AL XXXX
Frequently Asked Questions
What is Complaint #8426597 about?
Complaint #8426597 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 2024-02-26T12:00:00-05:00.
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.