Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13702350
Complaint Overview
Complaint ID: 13702350
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: Problem with personal statement of dispute
State: Georgia
ZIP Code: XXXXX
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
Tags: Older American
Consumer Narrative
Complaint Type : Credit Reporting / Identity Theft Company 1 : XXXX XXXX XXXX 2 : XXXX XXXX XXXX Credit Bureau : TransUnion, Experian Summary for CFPB Submission : I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX regarding fraudulent accounts that are inaccurately reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Despite submitting a valid police report, identity verification documents, and written requests for deletion under FCRA 605B, both companies continue to assert that I am liable for debts I did not authorize or open. XXXX XXXX has responded to multiple disputes ( CFPB XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) but refuses to remove the account, claiming I contacted them by phone and that my name and email match their records. However, these are insufficient to establish liability under the FCRA. They have failed to provide supporting evidence such as IP logs, phone recordings, or signature verification. XXXX also refuses to acknowledge the validity of my police report, even though their obligation under 605B is clear. XXXX XXXX XXXX is reporting an account on my TransUnion file that I did not open. I have no knowledge of the original debt, and it appears to have been sold or transferred without my consent. I have sent similar 605B requests to them and the credit bureaus. These companies are knowingly reporting fraudulent information, refusing to block accounts in violation of FCRA 605B, and subjecting me to continued harm.
Frequently Asked Questions
What is Complaint #13702350 about?
Complaint #13702350 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.