Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012915
Complaint Overview
Complaint ID: 15012915
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: Information belongs to someone else
State: New York
ZIP Code: 11372
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
On XX/XX/2025, I discovered a fraudulent XXXX XXXX XXXX credit card account on my TransUnion credit report, which I did not open or authorize, indicating identity theft or error. The account, reported as 120 days past due with a {$3900.00} balance as of XX/XX/2025, was unknown to me until I reviewed my credit report. I filed a dispute with TransUnion via their online portal on XX/XX/2025, and sent a dispute letter via certified mail, demanding verification and deletion of the account due to its fraudulent nature. TransUnion failed to correct the inaccuracies or provide verification within 30 days, violating the Fair Credit Reporting Act, FCRA, as follows : 1681e.b : Failing to ensure accuracy by reporting an unauthorized account. 1681i.a.1 : Failing to conduct a reasonable investigation. 1681i.a.5 : Failing to delete unverifiable information. 1681c-1 : Failing to handle identity theft reports. CFPA 5536 : Engaging in unfair practices, per the CFPB 's 2025 findings. This account has harmed my credit score and risks further identity theft.
Frequently Asked Questions
What is Complaint #15012915 about?
Complaint #15012915 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 2025-07-31T12:00:00-05:00.
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.