Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9038206
Complaint Overview
Complaint ID: 9038206
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: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Florida
ZIP Code: 32571
Date Received: 2024-05-17T12:00:00-05:00
Date Sent to Company: 2024-05-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have filed multiple disputes with the credit bureaus regarding an account that is reporting inaccurate and incomplete information. XXXX deleted the inaccurate account after a proper investigation. Firstly, the account in question was initiated in XX/XX/XXXX, and I paid on time every month. However, the contract for the rental apartment being reported inaccurately shows a start date of XX/XX/XXXX. Evidence supporting this is attached. Secondly, the third-party debt collection agency, XXXX XXXX XXXXXXXX XXXX violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by failing to inform me of my right to dispute the debt. Additionally, the agency provided contradictory balances owed, further violating the FDCPA. Furthermore, the data reported by the credit bureaus regarding the terms, monthly payments, account type, payment history, and the status of the account ( open/closed ) are all inaccurate. This account is reporting incorrect, incomplete, and misleading information. Again, evidence is attached. 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : Under the FCRA, credit bureaus are required to report accurate information. Any incorrect or incomplete data must be corrected promptly once disputed. 15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable investigation upon receiving a dispute. 2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : 15 U.S.C. 1692g : Requires debt collectors to provide a validation notice within five days of the initial communication, informing the consumer of their right to dispute the debt within 30 days. 15 U.S.C. 1692e : Prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt, including providing inaccurate balances.
Frequently Asked Questions
What is Complaint #9038206 about?
Complaint #9038206 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 2024-05-17T12:00:00-05:00.
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.