Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13075461
Complaint Overview
Complaint ID: 13075461
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: New Jersey
ZIP Code: 07305
Date Received: 2025-04-19T12:00:00-05:00
Date Sent to Company: 2025-04-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I filed a valid identity theft dispute with TransUnion concerning a fraudulent auto account ( XXXX XXXX ) that was illegally opened in my name. My dispute included an FTC Identity Theft Report ( No. XXXX ), my sworn affidavit, and official identification. Despite fulfilling all legal documentation requirements under 15 U.S.C. 1681c-2 ( a ), TransUnion failed to block the account within four ( 4 ) business days. Instead, they added a fraud alert and retained the disputed account with only a basic update. TransUnion did not provide any verification evidence, nor did they disclose the method of verification ( MOV ) when requested under 1681i ( 7 ). These actions violate multiple sections of the FCRA, including : 1681c-2 ( a ) Failure to block fraudulent information after ID theft documentation 1681i ( a ) ( 1 ) ( A ) No reasonable reinvestigation 1681e ( b ) Inaccurate and unverified reporting 1681i ( a ) ( 5 ) ( D ) No notification to other CRAs 1681i ( 7 ) Refusal to disclose the method of verification
Frequently Asked Questions
What is Complaint #13075461 about?
Complaint #13075461 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-04-19T12:00:00-05:00.
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.