Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11863564
Complaint Overview
Complaint ID: 11863564
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: Michigan
ZIP Code: 48917
Date Received: 2025-01-30T12:00:00-05:00
Date Sent to Company: 2025-01-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally dispute TransUnions failure to conduct a reasonable reinvestigation of my previously submitted dispute, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Despite my request for verification of inaccurate information on my credit report, your response was inadequate and did not comply with federal law. According to the FCRA, when a consumer disputes the accuracy of an item on their credit report, the credit reporting agency is required to conduct a reasonable reinvestigation. However, based on the outcome of my dispute, it is clear that TransUnion failed to meet this standard. Specifically : Lack of Proper Verification The disputed information was allegedly " verified, '' yet TransUnion did not provide any substantive documentation or explanation as to how this determination was made. Failure to Consider Supporting Evidence I submitted supporting documentation proving that the disputed item is inaccurate, but TransUnion disregarded this evidence without valid justification. Continued Reporting of Inaccurate Information Despite my dispute, the inaccurate information remains on my credit report, causing ongoing harm to my creditworthiness. In light of these violations, I demand that TransUnion immediately : Conduct a proper and reasonable reinvestigation of the disputed item ( s ) in compliance with 15 U.S.C. 1681i ( a ). Provide a detailed explanation of how the disputed information was verified, including the sources and methods used. Delete or correct the inaccurate information if it can not be fully substantiated. Provide me with an updated copy of my credit report reflecting any corrections. Failure to comply with these obligations constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. If this matter is not properly resolved, I will explore all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. Please respond in writing within the 30-day period required by law.
Frequently Asked Questions
What is Complaint #11863564 about?
Complaint #11863564 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 2025-01-30T12:00:00-05:00.
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.