Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11899382
Complaint Overview
Complaint ID: 11899382
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: Texas
ZIP Code: 75013
Date Received: 2025-02-02T12:00:00-05:00
Date Sent to Company: 2025-02-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to my fraud dispute regarding a fraudulent account and unauthorized hard inquiries on my credit report. 1. Failure to Block Fraudulent Information Despite Identity Theft Report The fraudulent account in question is XXXX XXXX XXXX ( Account # XXXX ), which was opened in XX/XX/XXXX without my consent. XXXX is unable to verify this account with my phone number or Social Security number, proving it is not mine. I do not possess the vehicle associated with this loan, do not have the keys, and do not know its location. I have submitted my FTC Identity Theft Report, government-issued ID, and Social Security card , as required under 15 U.S.C. 1681c-2, yet TransUnion refuses to block or delete the fraudulent account. 2. Failure to Remove Unauthorized Hard Inquiries TransUnion has failed to remove multiple unauthorized hard inquiries, despite my submission of a detailed fraud dispute. The following inquiries were fraudulent and should be removed immediately : XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Under 15 U.S.C. 1681b ( f ), credit inquiries must be authorized by the consumerthese were not. XXXX. TransUnions XXXX XXXX to Investigate My Dispute ( FCRA Violation ) This is my third time disputing this issue, and TransUnion continues to respond with generic denials without conducting a proper reinvestigation. I called TransUnion 's fraud department at XXXX, and the representative confirmed that my 75-page document was received. My XXXX credit report contradicts TransUnions reporting by stating XXXX missed payments in one section and XXXX missed payments in another. This proves that TransUnion is failing to conduct a reasonable investigation, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 4. Legal Violations by TransUnion TransUnion is in violation of the following Fair Credit Reporting Act ( FCRA ) provisions : 15 U.S.C. 1681c-2 Failure to Block Identity Theft-Related Information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681b ( f ) Unauthorized Access to My Credit Report ( Hard Inquiries ) 15 U.S.C. 1681e ( b ) Failure to Maintain Accuracy of Credit Report
Frequently Asked Questions
What is Complaint #11899382 about?
Complaint #11899382 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 2025-02-02T12:00:00-05:00.
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.