TRANSUNION INTERMEDIATE HOLDINGS, INC.


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"Products" offered by TRANSUNION INTERMEDIATE HOLDINGS, INC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Virtual currency
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - VA mortgage
Other financial service - Debt settlement
Payday loan -
Payday loan, title loan, or personal loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General-purpose prepaid card
Prepaid card - Payroll card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 8308594

Date Received: 2024-02-09

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: TRANSUNION HAS BEEN PROVIDED AN FTC REPORT AND IS REQUIRED TO REMOVE ALL ACCOUNTS DEMANDED UNDER 15 USC 1681s-2 AND FAILURE TO DO SO WILL RESULT IN A {$1000.00} FINE FOR WILLFULL VIOLATION UNDER 15 USC 1681k AND 15 USC 1681n.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CT

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-02-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8308590

Date Received: 2024-02-09

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CT

Zip: 06811

Submitted Via: Web

Date Sent: 2024-02-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8308568

Date Received: 2024-02-09

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33185

Submitted Via: Web

Date Sent: 2024-02-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8308565

Date Received: 2024-02-09

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: The accounts listed have violated my privacy and confidentiality rights under the Fair Credit Reporting Act ( FCRA ), a federal law ( 15 USC 1681 ). Specifically, the issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXXalls under 15 USC 1681 section 602 A, safeguarding my privacy rights. Additionally, according to 15 USC 1681 Section 604 A Section 2, any company reporting on consumers, myself included, can not share information about my accounts without my written consent. Furthermore, 15 U.S. Code 1681a clarifies that a " consumer report '' doesn't include information solely related to transactions between me and the reporting company. Also, in line with 15 U.S.C 1666B, a creditor is not allowed to mark a payment on my credit card account, within an open-end consumer credit plan, as late for any reason.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NJ

Zip: 076XX

Submitted Via: Web

Date Sent: 2024-02-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8308530

Date Received: 2024-02-09

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate accounts in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33010

Submitted Via: Web

Date Sent: 2024-02-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8308423

Date Received: 2024-02-09

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33185

Submitted Via: Web

Date Sent: 2024-02-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8308417

Date Received: 2024-02-09

Issue: Incorrect information on your report

Subissue: Personal information incorrect

Consumer Complaint: Subject : Dispute of Incorrect Personal Information on Credit Report Dear Consumer Assistance, I am writing to dispute inaccurate personal information that appears on my credit report. After reviewing my report, I have identified several errors in my personal information section. The incorrect information is as follows : XXXX. Name Variations : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can confirm that the information provided above is inaccurate and does not pertain to me. I have never resided at any of the addresses listed, nor are any of the name variations associated with me. This incorrect information could potentially harm my creditworthiness and financial standing. As per the Fair Credit Reporting Act, I request that You investigate these discrepancies and promptly remove the inaccurate information from my credit report. I have enclosed copies of documents that verify my correct personal information for your reference. Please provide me with written confirmation once the investigation is completed and the erroneous information has been rectified. Additionally, I request a free copy of my updated credit report once the corrections have been made. Thank you for your attention to this matter. I trust that you will handle this dispute promptly and efficiently.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 303XX

Submitted Via: Web

Date Sent: 2024-02-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8308405

Date Received: 2024-02-09

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: FCRA XXXX says bad accounts should be taken off my credit report. I don't know what's happening, but the accounts in the docs are all wrong. They're messing up my credit report, and it's really getting to me. Can you fix it?

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: PA

Zip: 19146

Submitted Via: Web

Date Sent: 2024-02-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8308389

Date Received: 2024-02-09

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: On XX/XX/XXXX I sent to XXXX XXXX XXXX via XXXX mail # XXXX XXXX XXXX XXXX XXXX ( received on XX/XX/XXXX ) ; a request for PROOF OF CONTRACT to substantiate their claim and demanded the following information : XXXX. A certified copy of the original signed contract between the original creditor and I. XXXX. Copies of any and all documentation from the original creditor displaying my name and/or social security number given to XXXX XXXX XXXX XXXX 3. Copy of a 3rd party release ; signed by me from the original creditor releasing my information to XXXX XXXX XXXX. XXXX. A signed contract between XXXX XXXX XXXX and I to do business. XXXX. Your actual purchase price of said debt. XXXX. A copy of XXXX XXXX XXXX business license XXXX. XXXX XXXX XXXX XXXX ID number XXXX. A copy of the state registration showing XXXX XXXX XXXX is in Active status. XXXX. All documentation of your Relationship with the original creditor. ( I.E. Contracts or Terms of Condition between you and Original Creditor ) XXXX XXXX XXXX did not provide any of the above requested information and did not substantiate their claim. Furthermore, on XX/XX/XXXX i submitted CFPB complaint # XXXX ; which stated " In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and financial information in relation to specific accounts on my consumer report. '' This account was then deleted from my consumer report on XX/XX/XXXX ( see attached ). After being deleted, XXXX XXXX XXXX once again furnished this information to Transunion without my consent, and once again violated my privacy rights pursuant to the above mentioned laws/US Codes . I subsequently filed another CFPB complaint # XXXX on XX/XX/XXXX which stated, " I withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and financial information in relation to specific accounts on my consumer report. Detailed Legal Framework : 1. 15 USC 6802 ( Gramm-Leach-Bliley Act ) : This statute is a key provision of the Financial Services Modernization Act, which requires financial institutions to provide customers with a privacy notice that explains the information collected, where it is shared, and how it is used. Importantly, it provides consumers the right to opt-out of their information being shared with nonaffiliated third parties. My request to XXXX, XXXX, and TransUnion was based on this right. 2. Privacy Act of 1974 : This act establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personal information about individuals that is maintained in systems of records by federal agencies. While primarily applicable to federal agencies, its principles are echoed in the consumer rights afforded under the FCRA, particularly regarding individuals ' control over their own personal information. 3. 16 CFR 313.7 ( Regulation P - Privacy of Consumer Financial Information ) : This part of the Code of Federal Regulations requires financial institutions to provide clear and conspicuous notice to consumers about their privacy policies and practices, describe the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties, and provide a method for consumers to prevent such disclosures by " opting out. '' 4. 15 USC 1605 ( Consumer Financial Protection Bureau portion of the Truth in Lending Act, also known as Regulation Z ) : This section of the Truth in Lending Act is enforced by the CFPB and governs the transparency of consumer credit transactions. The CFPB 's portion includes rules for fair handling of credit reports and ensuring accurate and fair credit billing and credit card practices. It also includes the enforcement of penalties for non-compliance with these provisions. My complaint relates to this law 's provision for enforcing fair and accurate credit reporting practices. Issues Encountered : Despite referencing these legal provisions in my opt-out letter and the ample time provided for the credit reporting agencies to respond and comply with my request, there has been no satisfactory acknowledgment or action. My personal and financial information continues to be handled in a manner that I believe is inconsistent with these legal provisions. '' *This account was once again deleted for a second time. * XXXX XXXX XXXX has now FOR A THIRD TIME VIOLATED MY PRIVACY RIGHTS AND THE ABOVE MENTIONED LAWS/CODES/ACTS/REGULATIONS ; as this account is currently being furnished on my consumer report without my consent. This consistent attempt to violate my rights and enforce an unsubstantiated debt now constitutes as fraud, defamation of character, extortion, and has cause pain & suffering.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TN

Zip: 37086

Submitted Via: Web

Date Sent: 2024-02-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8308319

Date Received: 2024-02-09

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I think FCRA 605B says wrong accounts got ta go from credit reports. I don't know what's up, but check the docs for messed-up accounts. They're not right on my credit report, and it's making me upset and sick. Can you help?

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: PA

Zip: 19131

Submitted Via: Web

Date Sent: 2024-02-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.