Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14407459
Complaint Overview
Complaint ID: 14407459
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: Old information reappears or never goes away
State: Maryland
ZIP Code: 21230
Date Received: 2025-07-01T12:00:00-05:00
Date Sent to Company: 2025-07-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX ( Former last name XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Second Demand for Deletion of Unverified Inquiry Failure to Delete Violates FCRA To TransUnion Dispute Department, This letter serves as a formal notice and demand for immediate removal of an inquiry by XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, that remains on my credit report despite a prior dispute and your legal obligation to remove unverifiable information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and remove any item that can not be verified within the required time frame. If the creditor fails to provide documented evidence with my wet signature authorizing the inquiry, you are required to delete it. The continued reporting of this inquiry without proper verification is a willful and negligent violation of the FCRA and case law including : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), confirming that CRAs may be held liable for failure to conduct reasonable investigations. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), establishing that willful noncompliance with the FCRA allows for statutory damages. XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), requiring that CRAs do more than parrot information from furnishers. I am demanding the following : 1. Complete removal of the XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX within 15 days of receipt of this letter. 2. A description of the method of verification used in the prior investigation. 3. The name and contact information of the person or entity that verified the accuracy of the inquiry. If you fail to remove this unauthorized inquiry, I will proceed with a complaint to the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and consider filing a claim for statutory and actual damages in federal court for your continued violations of the FCRA. I expect your compliance within 15 days from receipt of this notice. Thank you for your immediate attention. Sincerely, XXXX XXXX ( XXXX )
Frequently Asked Questions
What is Complaint #14407459 about?
Complaint #14407459 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 2025-07-01T12:00:00-05:00.
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.