Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13497974
Complaint Overview
Complaint ID: 13497974
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: Florida
ZIP Code: 33125
Date Received: 2025-05-13T12:00:00-05:00
Date Sent to Company: 2025-05-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Request for Investigation and Removal of Illegally Reinserted Information Dear Sir or Madam : I am writing as a consumer negatively affected by the reinsertion of a previously deleted account on my credit reports, without the required legal notification under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ) ( B ) ). The account in question appears as : - XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - Reported as " Charge-Off / Collection '' with a {$0.00} balance and last activity in XXXX This account was previously removed from my credit reports and has now been reinserted without written notice within the 5-day period required by law. This action directly violates my rights under the FCRA. In addition : - The account shows a {$0.00} balance, which does not justify its continued reporting as an active charge-off. - The account was transferred to another lender, according to your own records ( " Purchased by another lender '' ), and therefore should be removed or corrected. - XXXX has correctly removed the account, while TransUnion and Equifax continue reporting inconsistent and unfair information. This information is directly harming my ability to obtain fair credit, reasonable interest rates, and financial opportunities for myself and my family. As a community leader and responsible mother, these unjust marks are affecting my goals for personal growth and financial stability. This situation causes me ongoing stress and anxiety, as I have worked hard to maintain a clean credit history. Based on the FCRA and my rights as a consumer, I am formally requesting the following : 1. Immediate removal of this account from my TransUnion and Equifax reports. 2. A formal investigation and a written statement explaining the results and actions taken. 3. Cease any unauthorized reinsertion of previously deleted information. If this request is not resolved within the legal 30-day period, I reserve the right to file a formal complaint with the CFPB, the FTC, and my State Attorney General
Frequently Asked Questions
What is Complaint #13497974 about?
Complaint #13497974 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 2025-05-13T12:00:00-05:00.
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.