Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9140797
Complaint Overview
Complaint ID: 9140797
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: 91601
Date Received: 2024-05-30T12:00:00-05:00
Date Sent to Company: 2024-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am a victim of human trafficking and have submitted documents under the debt bondage law, pursuant to Section 605C of the Fair Credit Reporting Act, to have adverse items related to trafficking removed. Under Section 1022.142 ( B ) ( 6 ) ( I ) : Expansion of trafficking documentation ; a request was made for the approval of the expansion of documentation required to prove victimization. This request was approved and went into effect on XX/XX/year>. The types of documents that can be considered a VDD can be court order documents for vacatures, expungements, or record sealings where the underlying crime was related to the trafficking victimization. I was forced into prostitution and trafficked ; and later the criminal case was expunged ( destroyed ). I provided the court documents ( no pages missing ) for the expungement and crime, yet the credit reporting agency has given me pushback. Their tactics to stall and deny trafficked survivors need to be stopped. They are attempting to use the 25-day review to unnecessarily cause victims additional harm. I have provided a copy of sensitive court documents that are being passed around an office, only to be denied. They have given me a hard-time in an already very difficult situation. Section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX trafficking if the consumer has provided trafficking documentation to the consumer reporting agency. I have provided court documents and satisfied the requirement, yet adverse items continue to remain on my credit report.
Frequently Asked Questions
What is Complaint #9140797 about?
Complaint #9140797 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 2024-05-30T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.