Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13313694
Complaint Overview
Complaint ID: 13313694
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New Jersey
ZIP Code: 07105
Date Received: 2025-05-02T12:00:00-05:00
Date Sent to Company: 2025-05-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am respectfully asking for the Consumer Financial Protection Bureaus assistance in compelling TransUnion to permanently delete an accounts that was unlawfully reinserted into my credit file without my knowledge, consent, or authorization. The accountsXXXX and XXXX, Account Number XXXX and XXXX respectivelyhad previously been deleted following a valid dispute but has since been reinserted in direct violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) and 1681i ( 5 ) ( B ) ( ii )- ( iii ). I received NO notice of this reinsertion within the five business days required by law, and TransUnion failed to provide any certification of accuracy from the furnisher. This violates the statute and my consumer rights. Furthermore, I NEVER gave TransUnion or any third party permissible purpose to access or report these accounts in the first place, in violation of 15 U.S.C. 1681b. Additionally, TransUnion is in violation of 15 U.S.C. 1681e ( b ), as the information they are reporting does NOT MATCH the information reported by Equifax, and Experian is NOT reporting these accounts highlighting serious inconsistencies and a lack of maximum possible accuracy. These failures show willful noncompliance and ongoing negligence under 15 USC 1681n and 1681o. I am asking the CFPB to take action to ensure TransUnion permanently deletes these reinserted accounts, provides documentation explaining their actions, and complies with all applicable federal requirements. I am doing my part as a consumer and now urgently need your help to hold TransUnion accountable.
Frequently Asked Questions
What is Complaint #13313694 about?
Complaint #13313694 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-02T12:00:00-05:00.
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.