Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12849027
Complaint Overview
Complaint ID: 12849027
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: Texas
ZIP Code: 76114
Date Received: 2025-04-06T12:00:00-05:00
Date Sent to Company: 2025-04-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX failed to mark account as disputed and furnished misleading credit information Details of the issue : I submitted a dispute regarding an account reported by XXXX XXXX to the credit reporting agencies. The dispute was submitted through XXXX and TransUnion, on XX/XX/XXXX 2025. Despite proper notification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX has continued to report the tradeline without indicating that the account is disputed. This violates the following FCRA provisions : FCRA XXXX ( a ) ( XXXX ) Duty to Report Disputed Information If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. XXXX XXXX continued to furnish data to XXXX, TransUnion, and XXXX after receiving notice of the dispute, but failed to include the mandatory dispute notation, rendering the tradeline misleading and incomplete. FCRA XXXX ( a ) ( XXXX ) ( A ) Duty Not to Furnish Inaccurate or Incomplete Information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. By continuing to report the account without noting the dispute and despite knowing the account is being challenged XXXX XXXX has furnished information that is incomplete and misleading, in violation of the FCRA. This legal standard was affirmed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court held that even technically accurate information can be materially misleading if a dispute is not reported. Additionally, the current remark on the tradeline reads : PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF. This is confusing and misleading, as it implies the account was both charged off and paid in full and is no longer owned by XXXX XXXX. If the account was sold, XXXX should no longer be furnishing information at all and certainly not without disclosing a dispute. I have attacked XXXX pieces of evidence one is a letter advising they don't own the " Account and they were not going to fix the inaccurate and incomplete account on my credit file.
Frequently Asked Questions
What is Complaint #12849027 about?
Complaint #12849027 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 2025-04-06T12:00:00-05:00.
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.