Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11840826
Complaint Overview
Complaint ID: 11840826
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: Virginia
ZIP Code: 20176
Date Received: 2025-01-29T12:00:00-05:00
Date Sent to Company: 2025-01-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : XXXX XXXX XXXX TransUnion for Willful Non-Compliance Under 15 U.S.C. 1681 Dear CFPB, I am writing to formally submit a complaint against TransUnion for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. This complaint concerns their handling of my XXXX XXXX XXXX account disputes, which I have raised multiple times. Despite my repeated requests for investigation and correction, XXXX responses have been inadequate and dismissive. Recently, I received a letter stating that the information I disputed was not currently on my TransUnion credit report. This assertion is troubling, as the XXXX XXXX XXXX account is a critical part of my credit history and should be accurately reflected in my report. Under 15 U.S.C. 1681n, civil liability is established for willful non-compliance with consumer credit reporting requirements. This law states that any entity that willfully fails to comply with these requirements can be held liable to the affected consumer. The liable party may be required to pay the consumer actual damages or a statutory minimum of {$100.00} to {$1000.00}. Given TransUnion 's repeated failures to address my disputes appropriately, I believe they may be in violation of this statute. Furthermore, I am concerned that TransUnion is following a pattern similar to that of XXXX and XXXX, both of which have faced scrutiny for failing to conduct proper investigations into credit reporting errors. As noted in recent CFPB actions against these agencies, there is a clear obligation for credit reporting agencies to ensure the accuracy and completeness of the information they provide under XXXX XXXX. XXXX. TransUnion 's refusal to acknowledge and report the XXXX XXXX XXXX account accurately not only affects my creditworthiness but also jeopardizes my access to essential services such as credit, employment, and housing. Their actions appear to mirror the improper practices identified in the CFPBs recent investigations into XXXX and XXXX, raising concerns about systemic issues within the credit reporting industry. I respectfully request that the CFPB take action against TransUnion for their failure to comply with federal regulations under 15 U.S.C. 1681, as well as for their inadequate responses to my disputes. It is crucial that all credit reporting agencies uphold their responsibilities to consumers and provide accurate information. Thank you for your attention to this matter. I look forward to your response and any actions you may take regarding my complaint. Sincerely,
Frequently Asked Questions
What is Complaint #11840826 about?
Complaint #11840826 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 2025-01-29T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.