Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13387336
Complaint Overview
Complaint ID: 13387336
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: Account status incorrect
State: Texas
ZIP Code: 75056
Date Received: 2025-05-06T12:00:00-05:00
Date Sent to Company: 2025-05-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, TransUnion received my certified dispute regarding the XXXX XXXX XXXX XXXX tradeline ( account XXXXXXXX XXXX XXXX XXXX XXXX ). In that dispute, I formally and explicitly requested that, if the account was verified, TransUnion must provide the mode and method of communication and the identity of the verifying party, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). On XX/XX/year>, I received a mailed response from TransUnion that failed to provide any of this information. Instead, it contained only a generic statement that the creditor was contacted, and an offer to send procedural information if requested again despite the fact that I had already requested it clearly and formally in my dispute letter. This is a direct violation of the FCRAs reinvestigation requirements and represents a failure to comply in good faith. TransUnions refusal to follow the law has created real obstacles for me. As someone working to secure funding to start a small business, this unresolved tradeline is causing me to seek out non-traditional, high-cost, or less favorable funding options, further compounding my financial risk. TransUnions unwillingness to provide basic documentation of how this tradeline was verified has left me with no recourse other than to escalate. I am requesting immediate deletion of the XXXX tradeline from my TransUnion credit report due to TransUnions failure to provide legally required verification information and its violation of the FCRAs reinvestigation procedures.
Frequently Asked Questions
What is Complaint #13387336 about?
Complaint #13387336 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 2025-05-06T12:00:00-05:00.
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.