Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9326343
Complaint Overview
Complaint ID: 9326343
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Pennsylvania
ZIP Code: 19116
Date Received: 2024-06-22T12:00:00-05:00
Date Sent to Company: 2024-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX **TransUnion** XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Information and Request for Compensation as per FCRA 15 USC 1681i ( 5 ) ( A ) Dear Sir/madam , I am writing to formally dispute inaccurate and incomplete information in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) ( A ). Additionally, I am seeking compensation for these violations. Below, I have detailed the inaccuracies and inconsistencies identified across the credit reports provided by TransUnion, XXXX, and XXXX. 1. XXXX XXXX Account** : - **Account # XXXX : - **No. of Months ( terms ) ** : Reported as " XXXX '' which is inconsistent and likely incomplete. - **Payment Status** : Late 90 Days is reported, but inconsistent last active and payment dates suggest discrepancies. - **Date Last Active and Date of Last Payment** : Both listed as XX/XX/XXXX, conflicting with the Payment Status. 2. XXXX Account** : - **Account # XXXX : - **High Credit** : Listed as " {$0.00} '', which is inaccurate for a line of credit. - **Credit Limit** : Reported as " {$120.00} '', but inconsistencies in the high credit raise questions about accuracy. 3. XXXX XXXX Account** : - **Account # XXXX : - **High Credit** : Discrepancies among bureaus : {$6600.00} ( TransUnion ), {$0.00} ( XXXX ), {$7600.00} ( XXXX ). - **Date Opened** : TransUnion reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. - **Date Last Active** : Conflicting dates among bureaus. - **Date of Last Payment** : Conflicting dates among bureaus. 4. XXXX XXXX Account** : - **Account # XXXX : - **High Credit** : Discrepancies among bureaus : {$20000.00} ( TransUnion, XXXX ), {$19000.00} ( XXXX ). - **Date Opened** : TransUnion reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. - **Date Last Active** : Conflicting dates among bureaus. - **Date of Last Payment** : Conflicting dates among bureaus. 5. XXXX Account** : - **Account # XXXX : - **High Credit** : Discrepancies among bureaus : {$4500.00} ( TransUnion ), {$0.00} ( XXXX ). - **Date Opened** : TransUnion reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. - **Date Last Active** : Conflicting dates among bureaus. - **Date of Last Payment** : Conflicting dates among bureaus. 6. XXXX Account** : - **Account # XXXX : - **Account Type - Detail** : Different descriptions : Telecommunications/Cellular ( TransUnion ), Unknown ( XXXX ), Collection ( XXXX ). - **Date Last Active** : Conflicting dates among bureaus. - **Date of Last Payment** : Conflicting dates among bureaus. - **Payment Status** : XXXX reports XXXX Late 120 Days '' while others list as Collection/Chargeoff. 7. XXXX XXXX XXXX Account** : - **Account # XXXX : - Only reported by XXXX. - High Credit and Balance reported as {$29000.00}, suggesting possible errors or omissions in other bureaus. 8. **XXXX XXXX Account** : - **Account # XXXX : - **High Credit** : TransUnion and XXXX report {$24000.00} , XXXX reports {$1700.00}. - **Date Last Active** : Conflicting dates among bureaus. - **Date of Last Payment** : Conflicting dates among bureaus. Under the FCRA, it is the duty of credit reporting agencies to ensure that the information they report is accurate and complete. The inconsistencies listed above render the information inaccurate and incomplete, and as such, it must be promptly deleted from my credit report. These discrepancies are violations of the FCRA. Each instance of inaccurate, incomplete, or inconsistent reporting is a violation of my rights under 15 USC 1681i ( 5 ) ( A ). As such, I am requesting compensation for each violation, as outlined by the FCRA, in the amount of {$1000.00} per violation. I request that your bureau reinvestigate these discrepancies, delete any inaccurate, incomplete, or unverifiable information from my credit report, and compensate me accordingly. Please notify me in writing once the corrections have been made and compensation has been issued. I appreciate your attention to this matter and look forward to your prompt response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9326343 about?
Complaint #9326343 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-06-22T12:00:00-05:00.
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.