Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13701085
Complaint Overview
Complaint ID: 13701085
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: Massachusetts
ZIP Code: 02703
Date Received: 2025-05-24T12:00:00-05:00
Date Sent to Company: 2025-05-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Cfpb, Equifax, Experian, Transuion Legal Department ; I am filing this complaint due to the ongoing failure of the credit reporting agencies ( Equifax, Experian, and TransUnion ) to conduct a reasonable reinvestigation of several disputes I have submitted in violation of the Fair Credit Reporting Act ( XXXX ), specifically XXXX U.S.C. XXXX ( a ). Despite multiple authenticated and properly documented disputes, including submission of identity theft affidavits, I continue to receive dismissive and generic template responses stating that my disputes " do not appear to have come from me or an authorized representative. '' These baseless denials are being used as a pretext to avoid investigation. The law requires a reasonable reinvestigation any time a consumer disputes the accuracy of information, regardless of the perceived source of the dispute. Your obligations under XXXX ( a ) ( XXXX ) ( A ) are clear : you must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Moreover, the courts have held in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ), that a credit reporting agency may not rely on a creditors investigation but must conduct its own reasonable investigation. This failure to investigate not only violates FCRA XXXX but constitutes willful noncompliance under XXXX U.S.C. XXXX, which subjects your organization to liability for actual damages, punitive damages, and attorneys fees. Additionally, under XXXX U.S.C. XXXX ( b ), once a furnisher receives notice of a dispute from a CRA, it is also required to conduct its own investigation and report the results to the CRA. Failing to do so further exposes them to legal liability. I have included the following accounts in my dispute, all of which are being reported inaccurately and have not been properly investigated : XXXX XXXX ( Account # XXXX, # XXXX, # XXXX ) Late Payments/ Charge-offs XXXX XXXX ( Account # XXXX ) Late Payment XX/XX/XXXX ( Account # XXXX ) Late Payment XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) Collection XXXX XXXX ( Account # XXXX ) Collection XXXX, XXXX/XXXX, XXXX BANK, XXXX XXXX XXXX XXXX XXXX XXXX BANK Charge-offs I have provided sufficient documentation on multiple occasions, including identity theft affidavits and dispute letters, and your continued failure to properly investigate constitutes reckless disregard of my rights.
Frequently Asked Questions
What is Complaint #13701085 about?
Complaint #13701085 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 2025-05-24T12:00:00-05:00.
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.