Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14511381
Complaint Overview
Complaint ID: 14511381
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 92508
Date Received: 2025-07-07T12:00:00-05:00
Date Sent to Company: 2025-07-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against TransUnion for their continued failure to accurately report the status of my accounts in compliance with federal law following my XXXX XXXX Bankruptcy discharge. I filed for XXXX XXXX Bankruptcy under Reference # XXXX in the U.S. Bankruptcy Court and all qualifying debts were discharged under the United States Bankruptcy XXXX XXXX. Despite the legal discharge, TransUnion has failed to update or remove the related accounts and continues to report them with derogatory statuses such as charge-offs, collections, and balances due. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 1 ), which prohibits the reporting of discharged debts as active or derogatory. It also violates FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy, and 1681i, which mandates prompt reinvestigation of disputed information. Furthermore, by allowing the continued reporting of these accounts after bankruptcy discharge, TransUnion is contributing to unlawful collection efforts and emotional distress, in violation of the permanent injunction granted under Bankruptcy XXXX XXXX ( a ) ( 2 ), which prohibits any act to collect or recover a discharged debt. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to initiate immediate action and compel TransUnion to conduct a thorough investigation, remove or accurately update all discharged accounts included in my XXXX XXXX Bankruptcy, and ensure my credit report reflects accurate and lawful information.
Frequently Asked Questions
What is Complaint #14511381 about?
Complaint #14511381 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-07T12:00:00-05:00.
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.