Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9896164
Complaint Overview
Complaint ID: 9896164
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: North Carolina
ZIP Code: 278XX
Date Received: 2024-08-22T12:00:00-05:00
Date Sent to Company: 2024-08-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Immediate Removal of Inaccurate Student Loan Late Payment Reporting Account XXXX To Whom It May Concern, I am filing this complaint against the credit reporting of Account XXXX, which is inaccurately reporting late payments on my credit report. This is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these inaccuracies from my credit report. Legal Basis for Dispute : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy. The reporting of late payments on the aforementioned account without my explicit consent is a clear violation of my right to privacy as guaranteed under this law. 2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This provision states that a consumer reporting agency can not furnish information on an account without my written instructions. I have not provided any such instructions to report late payments on Account XXXX, making the reporting unauthorized and illegal. 3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies that no consumer reporting agency may include any adverse item of information, other than records of convictions of crimes, which predates the report by more than seven years. The reporting of these late payments is outdated and should be removed immediately. 4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The continued reporting of these late payments, despite the inaccuracies, violates this statute. Given the above violations of the FCRA, I demand the immediate removal of the late payment information associated with Account XXXX from my credit report. I request that this issue be addressed promptly to prevent further damage to my creditworthiness and financial well-being. I trust that the CFPB will take appropriate action to ensure that my rights are upheld under the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your immediate attention to this matter.
Frequently Asked Questions
What is Complaint #9896164 about?
Complaint #9896164 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 2024-08-22T12:00:00-05:00.
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.