Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13708752
Complaint Overview
Complaint ID: 13708752
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: 33134
Date Received: 2025-05-25T12:00:00-05:00
Date Sent to Company: 2025-05-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is a formal and forceful objection to TransUnions handling of my CFPB complaint # XXXX involving the fraudulent {$810.00} XXXX account and related XXXX XXXX collection. Let me be absolutely clear : I have a direct, signed letter from XXXX confirming that there is no account under my name or Social Security number in their system. The document I submitted as part of my original complaint should have made that unmistakably evident. And yet, in your final response, you had the audacity to state that the XXXX account was verified as reported. How the XXXX can you claim something is verified when the original creditor has already told meand youthat the account doesnt even exist? This is not just incompetence ; it is a reckless and willful violation of the Fair Credit Reporting Act ( FCRA ). Your so-called investigation is not only legally insufficient but blatantly dishonest. It appears you rubber-stamped a false verification without any real due diligence, despite me providing irrefutable written evidence from the creditor that the debt is fake. To make matters worse, TransUnion continues to report both the original ( alleged ) XXXX tradeline and a collection by XXXX XXXX for the same debt a classic case of duplicate derogatory reporting for a debt that doesnt even exist in the first place. The psychological, financial, and reputational damage this has caused me is inexcusable. Here is what I demand immediately : Full deletion of the fraudulent {$810.00} XXXX tradeline from my TransUnion credit report. Full deletion of the associated XXXX XXXX collection account, as it stems from the same fabricated debt. A written explanation of how your investigation concluded this account was verified despite clear and direct evidence to the contrary. TransUnion has violated its obligations under federal law by : Failing to conduct a reasonable investigation under 15 U.S. Code 1681i ; Continuing to report information after receiving documentation proving it is inaccurate ; Reporting duplicate negative accounts for the same alleged debt.
Frequently Asked Questions
What is Complaint #13708752 about?
Complaint #13708752 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 2025-05-25T12:00:00-05:00.
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.