Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11937861
Complaint Overview
Complaint ID: 11937861
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: Arizona
ZIP Code: 85741
Date Received: 2025-02-04T12:00:00-05:00
Date Sent to Company: 2025-02-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of TransUnion XXXX XXXX XXXX Under 15 U.S. Code 1681 Dear CFPB Representative, I am submitting this formal dispute regarding TransUnions inaccurate and improper reporting on my credit file, which violates 15 U.S. Code 1681 under the Fair Credit Reporting Act ( FCRA ). These errors are negatively impacting my credit standing and must be corrected immediately. The following accounts are inaccurately reported : XXXX. XXXX XXXX Bank Reported as negative, despite having a XXXX balance. XXXX. Lead Bank Incorrectly listed as negative with a XXXX balance. XXXX. XXXX XXXX Reported as a charge-off with a balance of {$XXXX}, which is incorrect. XXXXXXXX XXXX XXXX Listed negatively even though the balance is XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX reported as a charge-off for {$XXXX}. XXXX. XXXX XXXX XXXX XXXX ( XXXX Account ) Reported inaccurately with a balance of {$XXXX}. XXXX. XXXX Multiple closed accounts still listed, including XXXX with a {$XXXX} balance. TransUnions Vio lations of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i requires TransUnion to properly reinvestigate disputed information. 15 U.S. Code 1681e ( b ) mandates that credit reporting agencies maintain accurate and verifiable consumer data. These inaccuracies have negatively affected my XXXX XXXX and financial opportunities. Requested Action I formally request that the CFPB : XXXX TransUnions failure to accurately report these accounts. Ensure TransUnion provides verifiable proof of the accuracy of these reports or removes them immediately. Hold TransUnion accountable for compliance with FCRA regulations. I expect a written response from the CFPB and TransUnion detailing the findings of the investigation and any corrective actions taken. If TransUnion fails to comply, I am prepared to escalate this matter further, including seeking legal action. Please confirm receipt of this dispute and provide guidance on the next steps for resolution. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #11937861 about?
Complaint #11937861 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 2025-02-04T12:00:00-05:00.
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.