Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12384318
Complaint Overview
Complaint ID: 12384318
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: Virginia
ZIP Code: 20176
Date Received: 2025-03-08T12:00:00-05:00
Date Sent to Company: 2025-03-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX*Federal Trade Commission** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXSubject : Formal Complaint Against TransUnion for FCRA Violations** To Whom It May Concern, I am writing to formally lodge a complaint against TransUnion for clear violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging that TransUnion has engaged in deceptive practices by re-reporting accounts that I previously disputed and were subsequently deleted from my credit report. **Details of My Case : ** 1. **Reinsertion of Deleted Accounts** : The FCRA stipulates that any account that has been disputed and found to be inaccurate must not be reinserted into the credit report unless it is verified as accurate and the consumer is notified within five days. TransUnion has re-reported an account associated with XXXX XXXX XXXX XXXX XXXX XXXX ) that was previously removed from my report. This action violates the reinsertion law under the FCRA. 2. **Investigation Results** : According to your investigation results ( XXXX Number : XXXX ), the disputed item was initially verified as accurate, and therefore, it was deleted. However, TransUnion later added this account back to my credit report without valid justification, demonstrating a clear disregard for the FCRA. XXXX. **Pattern of Deceptive Practices** : This behavior is not an isolated incident. It mirrors actions taken against XXXX, which was ordered to pay {$15.00} XXXX for improper investigations of credit reporting errors. XXXX 's failures to block identity theft-related information and to prevent previously deleted accounts from reappearing are similarly reflected in TransUnion 's practices. 4. **Impact on Consumers** : The repercussions of these actions are severe. My credit score has been negatively impacted, resulting in a decrease of XXXX points since XX/XX/year>. This not only affects my creditworthiness but also my ability to secure loans and other financial opportunities. **Request for Action : ** I urge both the CFPB and FTC to take immediate action against TransUnion for these violations. It is imperative that regulatory bodies enforce the FCRA to protect consumers from deceptive practices that undermine their financial stability and rights. I request an investigation into TransUnion 's practices and demand appropriate penalties to deter further violations. Additionally, I seek restitution for the damages caused by these inaccurate credit reporting practices. Thank you for your attention to this serious matter. I look forward to your prompt response. Sincerely,
Frequently Asked Questions
What is Complaint #12384318 about?
Complaint #12384318 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 2025-03-08T12:00:00-05:00.
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.