Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12285478
Complaint Overview
Complaint ID: 12285478
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Michigan
ZIP Code: 48075
Date Received: 2025-03-02T12:00:00-05:00
Date Sent to Company: 2025-03-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Credit Reporting Agencies for Noncompliance with Identity Theft Laws Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the failure of the credit reporting agencies and data furnishers to remove fraudulent accounts from my credit report and update my personal information as required under federal law. 1. Identity Theft and Fraudulent Accounts I am a victim of identity theft, which has led to the unauthorized opening of accounts in my name. Despite multiple requests to block and remove these fraudulent accounts, the credit reporting agencies have failed to take the necessary actions. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile, further supporting my claim of identity theft. 2. Failure to Update Personal Information Despite my repeated requests, my personal information remains outdated and incorrect. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ). The following information requires immediate correction : Legal Name : My credit report should only display " XXXX XXXX. '' Address Update : The only valid address to remain on file is XXXX XXXX XXXX, XXXX, MI XXXX. All other addresses must be removed as I no longer reside at or have access to them. Phone Numbers : Remove all phone numbers currently listed on my report. Social Security Number & Date of Birth : My Social Security number and date of birth should not be displayed on my credit report for privacy reasons. Employer Information : Delete all employer information listed on my report. XXXX. Data Breach Impact and Negligence My personal information was compromised in several major data breaches, including : Equifax breach ( XXXX ) XXXX XXXX Social Security numbers, DOBs, and addresses exposed. XXXX breach ( XXXX ) XXXX XXXX records leaked, including passport numbers. Experian breach ( XXXX ) Millions of Social Security numbers and credit histories exposed. Due to these breaches, my identity was stolen, and fraudulent accounts were opened in my name. The credit bureaus failed to take proper action despite repeated fraud alerts and disputes. 4. Legal Violations The credit reporting agencies and data furnishers have violated multiple provisions of the FCRA and other federal statutes, including : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification. 15 U.S.C. 1681c-2 Failure to block fraudulent information upon request. 15 U.S.C. 1681b ( g ) Failure to properly safeguard personal data. 15 U.S.C. 1681s-2 Failure to ensure accuracy in reporting.
Frequently Asked Questions
What is Complaint #12285478 about?
Complaint #12285478 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-02T12:00:00-05:00.
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.