Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14075820
Complaint Overview
Complaint ID: 14075820
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 90066
Date Received: 2025-06-13T12:00:00-05:00
Date Sent to Company: 2025-06-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been trying to remove inaccurate negative items from my credit reports with XXXX XXXX and Equifax. Despite sending multiple dispute letters over the past few months, each bureau continues to report these items as " accurate. '' When I request the method of verification or proof that these items are valid, none of the bureaus have provided proper or adequate documentation as required under the Fair Credit Reporting Act ( FCRA ). XXXX of the main items in question is an XXXX XXXX that was stolen and used without my authorization. While the account was originally mine, the charges that followed the theft were not. I filed a police report, which I have attached, and notified each credit bureau during the dispute process. However, the unauthorized charges are still being reported as valid and accurate, despite my documentation. Under FCRA Section 1681i ( a ), credit reporting agencies must conduct a reasonable investigation of disputed information and remove any inaccurate or unverifiable information within XXXX XXXX. Under Section 1681e ( b ), they are required to ensure the maximum possible accuracy of the information reported. Additionally, under Section 1681i ( a ) ( 5 ), any information that can not be verified must be deleted. All three bureaus have failed to follow these requirements. They continue to report inaccurate and unauthorized information, including the charges from the stolen XXXX XXXX, which has harmed my credit and affected my financial stability. They have not complied with their legal responsibilities and have not provided sufficient evidence to validate the disputed accounts. I have attached copies of the police report and all dispute letters I have submitted, which contain detailed information about each inaccurate item. I respectfully request the CFPBs assistance to ensure XXXX XXXX, and Equifax properly reinvestigate these accounts, follow the law, and remove any items that remain inaccurate or unverifiable.
Frequently Asked Questions
What is Complaint #14075820 about?
Complaint #14075820 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-13T12:00:00-05:00.
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.