Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13198318
Complaint Overview
Complaint ID: 13198318
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: Virginia
ZIP Code: 23666
Date Received: 2025-04-26T12:00:00-05:00
Date Sent to Company: 2025-04-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against XXXX XXXX XXXX for illegally reporting inaccurate, unverifiable, and misleading information on my credit file. XXXX is furnishing information that is false and damaging to my credit profile. I have never authorized XXXX, XXXX to collect, use, or share my confidential information. Their actions are in direct violation of federal law, and they have completely failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection statutes. Specifically, XXXX XXXX XXXX is violating the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : By failing to establish and follow reasonable procedures to ensure the maximum possible accuracy of consumer information reported. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : By failing to conduct a reasonable reinvestigation of disputed information in a timely manner. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b : By accessing and sharing my consumer information without a permissible purpose or my explicit consent. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809 : By unlawfully sharing my nonpublic personal information without authorization, violating my right to financial privacy. I previously notified FactorTrust, Inc. of these inaccuracies and submitted a detailed dispute letter outlining all discrepancies. However, they have failed to correct or delete the inaccurate information, demonstrating a reckless disregard for consumer rights and federal law. Attached is a copy of the letter I sent to FactorTrust , Inc. documenting the inaccuracies and my demand for correction, which they ignored.
Frequently Asked Questions
What is Complaint #13198318 about?
Complaint #13198318 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 2025-04-26T12:00:00-05:00.
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.