Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13964532
Complaint Overview
Complaint ID: 13964532
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: XXXXX
Date Received: 2025-06-08T12:00:00-05:00
Date Sent to Company: 2025-06-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Approximately XXXX weeks later, I received a notice that the account ( s ) had been verified as accurate. However, I was not provided with any evidence, documentation, or explanation to support this outcome. It is my understanding that, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer files a dispute. The bureaus response strongly suggests that no meaningful reinvestigation occurred. Based on industry knowledge and recent legal cases, it is common practice for the bureaus to verify disputes using automated databases such as XXXX or e-Oscar, rather than contacting the original creditor or examining documentation. This process does not meet the standard of a lawful reinvestigation, as required by federal law. Without direct verification from the furnisher and without reviewing actual documents, the dispute can not be deemed properly resolved. I believe the bureau failed to comply with its obligations under FCRA, and I am requesting that this matter be reviewed by the CFPB. The disputed accounts should be : Fully reinvestigated using original source documentation, or Deleted if no documentation can be provided.
Frequently Asked Questions
What is Complaint #13964532 about?
Complaint #13964532 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 2025-06-08T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.