Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14627148
Complaint Overview
Complaint ID: 14627148
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: Louisiana
ZIP Code: 711XX
Date Received: 2025-07-13T12:00:00-05:00
Date Sent to Company: 2025-07-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXXXXXX XXXX FCRA Dispute Violation of 15 U.S.C. 1681, 623-a-3, and 807-8, by TRANSUNION Dear CFPB Representative , I am writing to formally dispute the accuracy and legality of certain information being reported on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Credit Reporting Act ( section 623-a-3 ), and Fair Debt Collection Practices Act ( section 807-8 ) My consumer report includes inaccurate, incomplete, or unverifiable information being reported by Transunion. I have attempted to resolve this matter directly with the credit bureau, but the information remains uncorrected. I am demanding an immediate reinvestigation and deletion of the disputed information from my credit file. Disputed Account Information : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX Centerpoint - Account # XXXX Legal Grounds for Removal : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation after a dispute is submitted. 15 U.S.C. 1681s-2 ( a ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 15 U.S.C. 1681s-2 ( b ) Failure of the furnisher of information to investigate, correct, and report results to the consumer reporting agency after receiving notice of dispute. 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 15 U.S.C. 1681c Reporting obsolete or outdated information that should no longer appear on a consumer report. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 623-a-3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) I respectfully request that the CFPB investigate this matter and ensure the credit reporting agency and/or data furnisher complies with their obligations under the Fair Credit Reporting Act. I am requesting that the disputed item ( XXXX ) be : XXXX. Investigated properly and in good faith XXXX. Deleted or corrected as appropriate XXXX. A statement of correction or deletion be sent to all CRAs to whom the inaccurate data was furnished Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. Thank you for your attention to this matter. Please feel free to contact me at the information provided above if additional documentation or clarification is needed. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14627148 about?
Complaint #14627148 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 2025-07-13T12:00:00-05:00.
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.