Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12431575
Complaint Overview
Complaint ID: 12431575
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: Georgia
ZIP Code: 30315
Date Received: 2025-03-11T12:00:00-05:00
Date Sent to Company: 2025-03-11T12:00:00-05:00
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 XXXXXXXX XXXX XXXX Subject : Complaint Against Credit Bureaus and Collection Agencies for Failure to Remove Fraudulent Information Due to Identity Theft Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against credit reporting agencies and collection agencies for their failure to remove fraudulent information from my credit report, despite multiple requests and supporting documentation proving I am a victim of identity theft. Background of the Complaint : Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Requested Deletions from My Credit Report : Full Legal Name : Ensure my legal name is displayed accurately as XXXX XXXX only. Address Update : Remove all outdated and irrelevant addresses. The only address I request to be included is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. Phone Numbers : Delete all phone numbers currently listed on my report. Social Security Number & Date of Birth : Remove my SSN and DOB from being displayed on my credit report for privacy reasons. Employer Information : Delete all employer details listed on my report. Data Breach Impact & Failure to Protect My Information : My personal information was compromised in multiple data breaches, which led to fraudulent accounts being opened in my name. Despite requesting fraud alerts and updates, credit bureaus failed to act, leaving me vulnerable. These breaches include : XXXX XXXX XXXX Data Breach Resulted in my personal information being exposed. Equifax Breach ( XXXX ) XXXX XXXX Social Security numbers, DOBs, and addresses leaked. XXXX XXXX ( XXXX ) XXXX XXXX customer records, including passport numbers, leaked. Experian Breach ( XXXX ) Millions of SSNs and credit histories were exposed. As a result, fraudulent accounts appeared on my credit report. Credit reporting agencies have refused to provide the method of verification for disputed accounts, violating the following laws : 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 my personal data. 15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting. Disputed Accounts & Inconsistencies : I am disputing inaccuracies across TransUnion, Experian, and Equifax, as discrepancies exist in reporting, indicating identity theft. I demand immediate investigation and correction
Frequently Asked Questions
What is Complaint #12431575 about?
Complaint #12431575 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 2025-03-11T12:00:00-05:00.
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.