Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12734492
Complaint Overview
Complaint ID: 12734492
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: Georgia
ZIP Code: 31324
Date Received: 2025-03-30T12:00:00-05:00
Date Sent to Company: 2025-03-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint and Dispute Regarding Experians Failure to Comply with FCRA Violations of 15 U.S.C. XXXXi Dear CFPB, I am writing to formally file a complaint against Experian for its failure to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. XXXXi ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( iii ) Failure to provide a description of the procedure used to determine the accuracy and completeness of the disputed item. 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) Failure to notify me that previously deleted information was reinserted and to provide the required written notice. I submitted a formal dispute to Experian regarding several accounts that I believe to be inaccurate, outdated, or unverifiable. Despite my clear request for reinvestigation, Experian : XXXX. Did not provide evidence of a reasonable reinvestigation as mandated under XXXX ( a ). XXXX. Failed to explain how it verified the accuracy of the information in accordance with XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). XXXX. Reinserted previously removed information into my credit file without providing the required written notice within XXXX business days, as outlined in XXXX ( a ) ( XXXX ) ( B ). These failures directly affect my creditworthiness and violate my rights under federal law. I am requesting that the CFPB investigate this matter, require Experian to comply with all applicable FCRA provisions, and compel Experian to : Delete the disputed item ( XXXX ) unless they can be fully verified with documented proof. Provide a complete and accurate description of the reinvestigation procedures used. Supply written notice of any reinsertion of previously deleted information as required by law.
Frequently Asked Questions
What is Complaint #12734492 about?
Complaint #12734492 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 2025-03-30T12:00:00-05:00.
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.