Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12142896
Complaint Overview
Complaint ID: 12142896
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: Tennessee
ZIP Code: 37043
Date Received: 2025-02-19T12:00:00-05:00
Date Sent to Company: 2025-02-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding the removal of fraudulently accounts with ( XXXX XXXX account # XXXX {$5700.00} and XXXX XXXX account # XXXX {$3000.00} ) that are reporting on my credit report stating its been VERIFIED and I want to know why! Despite my submission and requesting a METHOD OF VERIFICATION these accounts are continuing to report inaccurately after you claim to have verified it within 24 hours. I have reason to believe that Experian, Equifax, and Transunion failed to conduct a re-investigation which may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( a ) - ( b ), as highlighted in the CFPB 's recent administrative processing ( File No. 2025-CFPB-0002 ) against them for similar violations. Please explain to me how your agency has " so-called '' verified these accounts? How did you verify it? Who did you talk to in the creditors office, did you send them a copy of my findings along with my FTC report number XXXX, how did you sent it to them, did you fax, mail it, use the same mailing address and/or telephone number listed on the credit report that I have.. what did you do? And furthermore, what steps did the agency take to ensue the creditor actually investigated my dispute rather that just fraudulently tell you that its been verified. The FCRA says that you have to tell me within the required timeframe if I ask. So no more generic response I am asking for SPECIFICS on exactly how your agency actually verified these accounts that erroneously reporting on my credit report. If you can not provide it then shame on you because that would NOT be a proper investigation on your part as you are required to conduct. Any automated response verification is unacceptable! I am requesting a METHOD OF VERIFICATION. Be aware that I am making a final attempt to have you clear up this matter. XXXX XXXX and XXXX XXXX represents a very serious error in your reporting as these are fraudulent accounts that I never opened nor gave my consent to. I'm maintaining a careful records of my communication with you and request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law.
Frequently Asked Questions
What is Complaint #12142896 about?
Complaint #12142896 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 2025-02-19T12:00:00-05:00.
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.