Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12765489

CFPB complaint 12765489 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on March 31, 2025.

Complaint 12765489 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC.. You can view all complaints against this company on their profile page at /company/transunion-intermediate-holdings-inc.

TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

Complaint 12765489 was received by the CFPB on March 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on March 31, 2025.

Complaint 12765489 was filed from North Carolina. You can view all complaints from this state at /state/NC.

Dispute information is not available for complaint 12765489.

Complaint 12765489 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 12765489 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) governs the use and accuracy of consumer credit reports, and prohibits improper use by reporting companies. This relates to a Credit reporting or other personal consumer reports complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Improper use of your report".

Resolution likelihood: unlikely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as low risk. The complaint was closed with non-monetary relief, suggesting the issue was resolved without financial compensation to the consumer, indicating a lower risk of significant financial penalties.

This case highlights the importance of adherence to FCRA's provisions regarding the permissible purposes for accessing and using consumer credit reports. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should carefully review their credit reports for any inaccuracies or unauthorized access and report any discrepancies to the credit reporting agency.

The complaint originated in North Carolina, and the resolution indicates that state-specific consumer protection laws may not have played a significant role in the outcome. This complaint was filed from North Carolina.

Complaints regarding improper use of credit reports are not uncommon for major credit bureaus like TransUnion, but resolutions often involve corrective actions rather than monetary payouts.

Improper use can include accessing a report without a permissible purpose, such as for employment, credit, insurance, or other legally defined reasons, or using the information in a discriminatory manner.

Non-monetary relief can include correction of inaccurate information on the report, an explanation of the reporting practices, or a commitment from the company to adhere to FCRA guidelines in the future.