Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11482333
Complaint Overview
Complaint ID: 11482333
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Ohio
ZIP Code: 45238
Date Received: 2025-01-11T12:00:00-05:00
Date Sent to Company: 2025-01-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to formally report an issue I have encountered with TransUnion regarding the investigation of inaccuracies on my credit report, specifically related to my XXXX XXXX account ( Account Number : XXXX ). On XX/XX/year>, I submitted a letter to TransUnion requesting an investigation into the inaccuracies associated with this account. I received a response on XX/XX/year>, stating that the account had been verified ; however, I found that the same inaccuracies remained on my credit report. Despite my concerns, I proceeded to request a second investigation on the same day, XX/XX/year>. Unfortunately, the account was again verified with the same inaccuracies. One of the key inaccuracies I am contesting is that this account is reported as charged-off while simultaneously indicating a past due balance of {$1100.00}. As per credit reporting standards, a charged-off account should not reflect a past due amount, making this reporting incorrect. I have provided TransUnion with two opportunities to rectify these significant issues, but they have failed to conduct a proper investigation into my claims. Consequently, I am in the process of filing a report with the Federal Trade Commission ( FTC ) for fraud due to their negligence in handling my case. Additionally, I am considering taking legal action to resolve this matter effectively. For your records, I will attach copies of both letters I sent to TransUnion as well as the letters they returned to me, which serve as proof of my attempts to address these inaccuracies. Thank you for your attention to this matter. I appreciate the work the Consumer Financial Protection Bureau does to ensure fair treatment in financial reporting, and I hope to see prompt action regarding this issue. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11482333 about?
Complaint #11482333 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-11T12:00:00-05:00.
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.