Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11361902
Complaint Overview
Complaint ID: 11361902
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: California
ZIP Code: 93551
Date Received: 2025-01-02T12:00:00-05:00
Date Sent to Company: 2025-01-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report that I believe do not belong to me. After previously disputing these accounts and providing supporting documentation, including my Federal Trade Commission ( FTC ) Identity Theft Report, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts? Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me? Were any third-party databases or external records consulted in the verification process? Furthermore, I have been informed by the creditors associated with these accounts that the accounts were mistakenly merged with information belonging to another individual. This appears to be a case of mixed credit files or erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial wellbeing. Given the severity of this issue, I request that your agency : 1. Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 2. Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 3. Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX
Frequently Asked Questions
What is Complaint #11361902 about?
Complaint #11361902 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-02T12:00:00-05:00.
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.