Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12959036
Complaint Overview
Complaint ID: 12959036
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: Investigation took more than 30 days
State: Florida
ZIP Code: 32837
Date Received: 2025-04-12T12:00:00-05:00
Date Sent to Company: 2025-04-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against [ Credit Bureau Name ] for its failure to remove fraudulent accounts from my credit report as required by law. I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted both a police report and an FTC Identity Theft Report ( FTC Report Number : XXXX ) as supporting evidence. While the credit bureau acknowledged receipt of my dispute, it has failed to comply with the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). Despite my formal request to block the fraudulent item, the following account continues to appear on my credit report : XXXX XXXX Date Opened : XX/XX/year> Legal Basis 15 U.S.C. 1681i ( 7 ) Description of Investigation : Under the FCRA, credit reporting agencies are required to provide a description of the procedures used in their investigation within 15 days of receiving a consumer dispute. To date, I have not received this documentation. 15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : Federal law mandates that any account reported must be verified through physical inspection of the original signed consumer contract. Without such verification, inaccurate or fraudulent information may remain in my file. I am formally requesting the immediate removal of this unauthorized information. 15 U.S.C. 1681e ( b ) Accuracy Compliance : You are legally required to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit file. If any information can not be verified, it must be deleted pursuant to 1681i ( a ) ( 5 ). Failure to Investigate Properly 15 U.S.C. 1681i : After submitting my dispute, I did not receive a complete or timely investigation within the 30-day timeframe required by law. The results failed to address and resolve my concerns adequately. 15 U.S.C. 1681c-2 : Credit reporting agencies are required to block identity theft-related information within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), all unverifiable or inaccurate information must be promptly removed from my report. 15 U.S.C. 1681e ( b ) : The bureau has failed to demonstrate that reasonable procedures were followed to ensure the accuracy and completeness of the information in my credit file. I am requesting a detailed explanation of the methods used. Requested Resolution I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take immediate action to ensure the fraudulent account is permanently deleted from my credit report. I expect a timely and appropriate resolution. Please also provide any relevant guidance regarding my rights as a consumer under federal law. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12959036 about?
Complaint #12959036 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 2025-04-12T12:00:00-05:00.
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.