Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9390758

CFPB complaint 9390758 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on June 30, 2024.

Complaint 9390758 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC.. You can view all complaints against this company on their profile page at /company/transunion-intermediate-holdings-inc.

TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

Complaint 9390758 was received by the CFPB on June 30, 2024. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on June 30, 2024.

Complaint 9390758 was filed from Illinois. You can view all complaints from this state at /state/IL.

Dispute information is not available for complaint 9390758.

Complaint 9390758 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 9390758 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

This case touches upon the Fair Credit Reporting Act (FCRA), which governs the collection, dissemination, and use of consumer credit information. This relates to a Credit reporting or other personal consumer reports complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Improper use of your report".

Resolution likelihood: unlikely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as low risk. The risk is low as the complaint was closed with non-monetary relief, indicating a resolution that did not involve financial compensation to the consumer.

This situation highlights the importance of credit reporting agencies adhering to strict guidelines regarding the permissible use of consumer reports to avoid regulatory scrutiny. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should carefully review any non-monetary relief offered to ensure it adequately addresses their concerns regarding the improper use of their credit report.

The complaint originated in Illinois, and the resolution indicates that state-specific consumer protection laws may also be relevant. This complaint was filed from Illinois.

This incident is typical of issues consumers face with credit reporting agencies, where disputes over report usage can arise.

Improper use can include accessing a report without a permissible purpose, such as for employment or credit decisions, or using information from a report in a discriminatory manner.

Non-monetary relief can include correction of inaccurate information, removal of unauthorized inquiries, or a formal apology from the reporting agency.