Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12383990
Complaint Overview
Complaint ID: 12383990
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: North Carolina
ZIP Code: 27529
Date Received: 2025-03-08T12:00:00-05:00
Date Sent to Company: 2025-03-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Failure to Investigate and Respond to Identity Theft Dispute within Required Timeframe Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian, and TransUnion for fa iling to investigate and respond to my identity theft dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ). Details of My Complaint : 1. I was a victim of the Equifax data breach, which exposed my personal information. 2. As a result, I became a victim of identity theft, and fraudulent accounts have appeared on my credit report. XXXX. On [ XX/XX/year> ], I submitted disputes to Equifax, Experian, and TransUnion, requesting that they remove fraudulent accounts from my credit file under the FCRA and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). 4. Under FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), the credit bureaus are required to investigate and respond to disputes within 30 days. However, more than 30 days have passed, and I have not received a response from any of the three bureaus. Violations of Consumer Protection Laws : Failure to investigate and correct fraudulent information within 30 days ( FCRA 1681i ( a ) ( 1 ) ( A ) ). Failure to block fraudulent accounts after being notified of identity theft ( FCRA 1681c-2 ( a ) ). Failure to fulfill their obligation to ensure accuracy in consumer reports ( FCRA 1681e ( b ) ).
Frequently Asked Questions
What is Complaint #12383990 about?
Complaint #12383990 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-08T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.