Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15012471
Complaint Overview
Complaint ID: 15012471
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: Nevada
ZIP Code: 89084
Date Received: 2025-07-31T12:00:00-05:00
Date Sent to Company: 2025-07-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
FTC Report # : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am filing this formal complaint concerning multiple accounts that have violated my federally protected consumer rights to privacy and accuracy. The following accounts have reported information that is false, unverifiable, and obtained without my consent : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These accounts have violated my rights under 15 U.S.C. 1681, including but not limited to the following provisions : 1. 15 U.S.C. 1681e ( b ) : Maximum Possible Accuracy Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. These accounts are inaccurate and unverifiable, demonstrating a failure to comply with this provision. 2. 15 U.S.C. 1681i ( a ) ( 5 ) : Treatment of Inaccurate or Unverifiable Information If any item of information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified after reinvestigation, the reporting agency must : ( i ) Promptly delete or modify that item as appropriate; and ( ii ) Notify the furnisher of the change or deletion. I have disputed these accounts, and they remain uncorrected, in clear violation of this statute. 3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Duty of Furnishers to Provide Accurate Information A person shall not furnish information relating to a consumer if they know or have reasonable cause to believe the information is inaccurate. These furnishers have continued to report false or unverifiable data despite this requirement. 4. 15 U.S.C. 1681b ( a ) ( 1 ) : Permissible Purpose No person or entity shall access or use my credit information without a legally permissible purpose. The accounts listed above may have been accessed or shared without proper authorization, further violating my rights to privacy. 5. 15 U.S.C. 1681c-2 ( Section 605B ) : Blocking of Information Resulting from Identity Theft I am also requesting the permanent blocking and deletion of these accounts under Section 605B, which states that consumer reporting agencies must block information that results from identity theft within four business days. Relief Requested : I am requesting that all the above-referenced accounts be permanently deleted from my credit report in accordance with the FCRA. These accounts were added in violation of federal law, and I am demanding that the Consumer Financial Protection Bureau take immediate action to hold the furnishers and consumer reporting agencies accountable.
Frequently Asked Questions
What is Complaint #15012471 about?
Complaint #15012471 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 2025-07-31T12:00:00-05:00.
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.