Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13329734
Complaint Overview
Complaint ID: 13329734
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: Ohio
ZIP Code: 44122
Date Received: 2025-05-04T12:00:00-05:00
Date Sent to Company: 2025-05-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/scrub> 2025, I noticed unauthorized changes to my credit report connected to an account listed under XXXXXXXX XXXX ( Account Number : XXXX ). Upon further investigation, I confirmed that these changes were made without my knowledge or consent, and they directly violate my rights under the Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of my educational records, as well as the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and use of credit reporting data. I did not authorize any access to this account, nor did I provide consent for any third-party entity to make inquiries, changes, or updates to this account. The unauthorized use of my personally identifiable information ( PII ) began in XX/XX/year>2025, and the discrepancies became apparent to me in XXXX 2025. These actions are unlawful under both FERPA and FCRA, which protect against unauthorized access and misuse of personal and educational information. On XX/XX/year>2025, I formally requested documentation from XXXXXXXX XXXX regarding this account, including a record of all activities, access logs, and authorization details. To date, I have not received a complete or satisfactory response, which further compounds the violation. I am demanding an immediate and thorough investigation into this matter. I request that Account XXXX : XXXX be corrected to reflect Paid as Agreed or be completely removed from my credit file due to the breach of my educational and financial data. If these actions are not taken promptly, I will be forced to escalate this matter and seek legal recourse under 15 U.S. Code 1681n for willful noncompliance with the FCRA.
Frequently Asked Questions
What is Complaint #13329734 about?
Complaint #13329734 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 2025-05-04T12:00:00-05:00.
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.