Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12811910
Complaint Overview
Complaint ID: 12811910
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
ZIP Code: XXXXX
Date Received: 2025-04-03T12:00:00-05:00
Date Sent to Company: 2025-04-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
am filing a formal complaint against Equifax for failing to conduct a proper investigation into disputes I submitted regarding inaccuracies in my credit report. Despite submitting supporting documentation and clearly identifying the inaccuracies, Equifax has repeatedly responded within 24 hours stating that the accounts in question are accurate. These rapid responses strongly suggest that no meaningful or reasonable investigation has been conducted, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The FCRA mandates that consumer reporting agencies conduct a reasonable investigation when a dispute is filed. Equifaxs failure to do so not only violates this provision but may also constitute an unfair or deceptive practice under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This pattern of behavior is consistent with the findings in a recent CFPB administrative proceeding regarding inadequate dispute resolution practices. I respectfully request that this matter be investigated and that appropriate enforcement action be taken to ensure compliance with federal consumer protection laws.
Frequently Asked Questions
What is Complaint #12811910 about?
Complaint #12811910 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 2025-04-03T12:00:00-05:00.
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.