Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12360092
Complaint Overview
Complaint ID: 12360092
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: California
ZIP Code: 90034
Date Received: 2025-03-06T12:00:00-05:00
Date Sent to Company: 2025-03-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit bureaus : Equifax, Experian, and TransUnion. My grievance stems from their continued noncompliance and civil negligence under the Fair Credit Reporting Act ( FCRA ), particularly section 1681-O, which necessitates the civil liability for willful noncompliance. I have faced several issues across different dates when I attempted to dispute inaccuracies on my credit reports. The specific dates of my disputes are as follows : XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX CAPITAL XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$950.00} XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Despite providing all the necessary documentation and clear evidence, each of these disputes was met with either inadequate or no response, reflecting a severe lack of due diligence and negligence on the part of these credit reporting agencies. Such lapses have consequently resulted in significant impact on my credit standing, causing substantial harm and financial distress. along with my information being breached with Equifax. In compliance with the FCRA, I seek the support and intervention of the CFPB to hold these credit bureaus accountable for their continued negligence. It is imperative that these bureaus adhere to the standards set forth by the FCRA, ensuring accuracy, fairness, and privacy of consumer information. I kindly request the CFPB to investigate this matter at the earliest convenience and take appropriate actions to address these grievances. Additionally, I seek redress for the damage inflicted due to their noncompliance and negligence. Please find attached copies of my correspondences and evidence submitted during my disputes, which can provide further context and substantiate my claims. Thank you for your attention to this matter, and I hope for a prompt resolution with your esteemed office 's involvement.
Frequently Asked Questions
What is Complaint #12360092 about?
Complaint #12360092 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 2025-03-06T12:00:00-05:00.
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.