Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11483165
Complaint Overview
Complaint ID: 11483165
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: 45211
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
I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of my disputes and for allowing unverifiable and inaccurate negative items to remain on my credit report. I submitted three rounds of disputes to TransUnion on XX/XX/year>, XX/XX/year>, and XX/XX/year>, requesting that they verify the accuracy of multiple negative items, including collection accounts and charge-offs. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), TransUnion is required to reinvestigate disputed items within 30 days and remove any unverifiable information. However, they have failed to comply with these legal obligations. I specifically requested the following information for each disputed item : Original signed contracts or agreements proving that I entered into the alleged debt. Proof of debt ownership or assignment showing that the creditor or collection agency has the legal right to report the debt. A full account history detailing all payments, charges, and fees applied to the account. Instead of providing this documentation, TransUnion has ignored my disputes, failed to provide verification, and allowed unverified negative items to remain on my report. This is a blatant violation of my consumer rights under the FCRA and has caused ongoing harm to my credit score and financial wellbeing. Their refusal to conduct a proper reinvestigation is not only illegal but also negligent. I demand that TransUnion : 1. Immediately reinvestigate all disputed items. 2. Provide written proof verifying the accuracy of each item, including original signed contracts and proof of debt ownership. 3. Delete any unverifiable, inaccurate, or outdated information. 4. Provide a detailed explanation of how each item was verified, including the sources used and the dates of verification. 5. Provide copies of all communications between TransUnion and the furnishers of the disputed information. Failure to comply with these demands will result in me pursuing further regulatory complaints and legal action for damages under Sections 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), which provide for statutory damages, actual damages, and punitive damages for willful and negligent noncompliance.
Frequently Asked Questions
What is Complaint #11483165 about?
Complaint #11483165 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.