Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9660107
Complaint Overview
Complaint ID: 9660107
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: Maryland
ZIP Code: 20770
Date Received: 2024-07-28T12:00:00-05:00
Date Sent to Company: 2024-07-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
As per TransUnion report to the general public I am writing to formally dispute a significant and unexpected change in my credit score. On XX/XX/year>, I received an alert from my XXXX XXXX bank account indicating that my score increased by XXXX points, changing from XXXX to XXXX, a change of XXXX points. However, on XX/XX/year>, my score was updated with my employer 's information, incorrectly spelled as " XXXX XXXX XXXX XXXXXXXX XXXX '' and saved as new without my confirmation. Then, on XX/XX/year>, another alert indicated that my score decreased by XXXX points, with the old score listed as XXXX and the new score as XXXX, a change of XXXX points. These discrepancies in my credit score and the associated information appear fraudulent and suggest possible identity theft. Additionally, this significant update coincided with the commencement of my fourth round of disputes with XXXX XXXX XXXX, an entity unknown to me. The timing and nature of these changes severely undermine the accuracy and reliability of my credit report. Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title IV, Section 611, Subsection 1-D, I request the following : The names and business addresses of each individual with whom you verified and validated the disputed information. An updated copy of my credit report after completing your investigation. Moreover, according to the FCRA, Section 611, Subsection ( 5 ), Treatment of Inaccurate or Unverifiable Information : ( A ) In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been updated or deleted. I expect prompt action on this matter to rectify the inaccuracies and prevent further damage to my credit profile. Failure to address this promptly may compel me to seek further legal remedies to protect my rights. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #9660107 about?
Complaint #9660107 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 2024-07-28T12:00:00-05:00.
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.