Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13701721
Complaint Overview
Complaint ID: 13701721
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: New Jersey
ZIP Code: 08854
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
I am submitting new evidence showing that 90-day late marks were falsely moved to new months post-dispute. These alterations were not based on factual records and directly violate FCRA 1681i ( a ) ( 5 ) ( A ) and 1681e ( b ). Notably, the months marked 90 days late do not have any prior or subsequent 30- or 60-day lates, which is irregular and impossible under Metro 2 reporting XXXX. XXXX identical Dept. of ED / XXXX account was deleted, but others with the same data and servicer were marked as verified. These were then altered with newly inserted derogatory marks in months that were previously marked OK. This demonstrates inconsistent reinvestigation outcomes and furnisher misconduct. I attached a legal Method of Verification ( MOV ) demand letter requesting full ledger validation and verification documentation. This was ignored. The dispute includes new, material information not submitted previously and reveals potential retaliatory behavior following my exercise of FCRA rights. Immediate reinvestigation is required under federal law.
Frequently Asked Questions
What is Complaint #13701721 about?
Complaint #13701721 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.