Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9156983
Complaint Overview
Complaint ID: 9156983
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: Account information incorrect
State: Ohio
ZIP Code: 45011
Date Received: 2024-06-01T12:00:00-05:00
Date Sent to Company: 2024-06-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To whom it may concern, This letter is to formally dispute inaccurate information on my credit report. I am writing in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b. Section 1666b of the FCRA prohibits you, as a credit reporting agency, from including inaccurate or misleading information in consumer reports. I am disputing a XXXX transaction XXXX currently listed on my credit report as a late payment. I was never provided with the disclosures required by 15 U.S.C. 1637b. This section mandates that creditors furnish a clear and conspicuous disclosure statement before marking any account as late. Without receiving this disclosure, the legitimacy of the transaction can not be confirmed. I request that you investigate this dispute promptly and thoroughly. Based on the lack of authorization and the missing disclosures, I demand that you exclude the XXXX transaction from my credit report. Please notify me of the results within the timeframe mandated by the FCRA. If the investigation confirms my claim, I expect you to update my report and reflect the exclusion of this disputed transaction. Additionally, please provide me with a copy of the updated report. I understand that you are required to notify me of the results of your investigation within 30 days of receiving this letter. If I do not receive a response within that timeframe, or if I am not satisfied with your investigation, I will be forced to pursue further action as authorized by the FCRA. Thank you for your time and attention to this matter.
Frequently Asked Questions
What is Complaint #9156983 about?
Complaint #9156983 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 2024-06-01T12:00:00-05:00.
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.