Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12113076
Complaint Overview
Complaint ID: 12113076
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: Florida
ZIP Code: 32258
Date Received: 2025-02-17T12:00:00-05:00
Date Sent to Company: 2025-02-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Complaint Against TransUnion for FCRA Violations Summary of the Issue : I am filing this complaint for failing to accurately report and investigate disputes on my credit report. Despite multiple formal disputes sent via certified mail attached screenshots of certified mail, TransUnion & Experian has failed to conduct reasonable investigations and continues to report incorrect information. This has severely impacted my credit score, limiting my financial opportunities. Furthermore, they have restricted my ability to dispute inaccuracies by rejecting my dispute letters, failing to provide verification documents, and limiting access to my credit report, despite me verifying my identity. Violations of the Fair Credit Reporting Act ( FCRA ) : TransUnion has violated multiple sections of the FCRA ( 15 U.S.C. 1681 ), including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable investigation of disputed information. 15 U.S.C. 1681i ( a ) ( 5 ) Continuing to report inaccurate, unverifiable, and outdated information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Failing to report accurate information as required. 15 U.S.C. 1681b ( a ) ( 3 ) Restricting my ability to dispute errors and withholding my credit report.
Frequently Asked Questions
What is Complaint #12113076 about?
Complaint #12113076 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 2025-02-17T12:00:00-05:00.
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.