Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15012961

CFPB complaint 15012961 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Investigation took more than 30 days". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 31, 2025.

Complaint 15012961 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC.. You can view all complaints against this company on their profile page at /company/transunion-intermediate-holdings-inc.

TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

Complaint 15012961 was received by the CFPB on July 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 31, 2025.

Complaint 15012961 was filed from New Jersey. You can view all complaints from this state at /state/NJ.

Dispute information is not available for complaint 15012961.

Complaint 15012961 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 15012961 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes within 30 days of receiving them. This relates to a Credit reporting or other personal consumer reports complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Problem with a company's investigation into an existing problem".

Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. Investigations into credit reporting disputes are legally required to be completed within 30 days, and exceeding this timeframe can indicate potential violations of consumer rights.

Failure to adhere to the 30-day investigation period can lead to regulatory scrutiny and potential penalties for the credit reporting agency. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should be aware of the 30-day investigation timeline and follow up with the credit bureau if their issue is not resolved promptly.

The complaint originated in New Jersey, and state-specific consumer protection laws may also apply. This complaint was filed from New Jersey.

This issue is common among credit reporting agencies, highlighting a systemic challenge in timely dispute resolution.

Consumers can file a complaint with the CFPB, contact the credit reporting agency directly to inquire about the delay, or consult with a consumer protection attorney.

Non-monetary relief typically involves the correction of inaccurate information on the credit report, an updated investigation report, or an explanation of the findings without financial compensation.