Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12433444
Complaint Overview
Complaint ID: 12433444
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: 90022
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
I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681i ( a ). I disputed an inaccurate account ( XXXX - XXXX ) on my credit report with TransUnion. Both XXXX and XXXX have already deleted this account, yet TransUnion continues to report it, creating material inconsistencies across my credit reports. Violations : Failure to Maintain Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion is reporting inaccurate information that has been deleted by other credit bureaus, violating the requirement to maintain maximum possible accuracy. Failure to Ensure Consistency Across Bureaus ( 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) ) Under this provision, TransUnion is required to delete information that has been removed by other credit bureaus as a result of a dispute. The continued presence of this account is a direct violation of this section. Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) My dispute was not properly investigated, and TransUnion relied on an automated verification process ( OSCAR system ) rather than performing a substantive review, which has been deemed insufficient under case law ( XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ). TransUnions failure to remove this account despite clear evidence that it has been deleted from the other major credit bureaus has caused financial harm and undue distress by misrepresenting my creditworthiness.
Frequently Asked Questions
What is Complaint #12433444 about?
Complaint #12433444 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.