Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12765491

CFPB complaint 12765491 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on March 31, 2025.

Complaint 12765491 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 12765491 was received by the CFPB on March 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on March 31, 2025.

Complaint 12765491 was filed from Illinois. You can view all complaints from this state at /state/IL.

Dispute information is not available for complaint 12765491.

Complaint 12765491 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 12765491 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

Under the Fair Credit Reporting Act (FCRA), credit bureaus must investigate consumer disputes regarding the accuracy of information on a credit report. This relates to a Credit reporting or other personal consumer reports complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Problem with a company's investigation into an existing problem".

Resolution likelihood: likely. 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 medium risk. The company's failure to investigate and correct a reported error could indicate systemic issues with their dispute resolution process, potentially leading to ongoing harm to consumers.

This case highlights the importance of the FCRA's requirement for thorough and accurate investigations by credit reporting agencies. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

If an error persists after an investigation, consumers should consider sending a certified letter to the credit bureau and the furnisher of the information, detailing the error and requesting correction.

The complaint originated in Illinois, and the resolution was closed with non-monetary relief. This complaint was filed from Illinois.

Many credit reporting agencies face similar challenges in ensuring accurate dispute resolution, making this a common issue across the industry.

The consumer can send a formal dispute letter via certified mail to both TransUnion and the creditor that reported the information, along with supporting documentation. If the issue remains unresolved, they may consider filing a complaint with the CFPB or seeking legal counsel.

It means that while the specific error may have been addressed or the investigation concluded, no financial compensation or refund was provided to the consumer as part of the resolution.