Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15129931
Complaint Overview
Complaint ID: 15129931
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 31907
Date Received: 2025-08-06T12:00:00-05:00
Date Sent to Company: 2025-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against XXXX and the associated credit bureaus ( TransUnion, Experian, and Equifax ) for their failure to properly verify and correct inaccuracies in my credit file. Despite submitting multiple disputes and providing necessary documentation, these parties have failed to verify the information and have allowed an incorrect account to remain on my credit report. Background and Issues : XXXX. XXXX Account The XXXX account was reported as charged off with a balance of \ {$240.00}. The account was a secured credit card opened on XX/XX/XXXX, and closed on XX/XX/XXXX. Since then, I have disputed the account multiple times across all three credit bureaus ( TransUnion, Experian, and Equifax ), but each time, the account was incorrectly marked as validated without proper investigation. 2. Failure to Verify : Over the course of the last three disputes, I provided all necessary documentation, including my identity verification and supporting evidence that showed the account was not properly reported. Despite this, the credit bureaus continued to mark the account as validated, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX and the credit bureaus failed to remove or properly verify information regarding the balance, payment history, and charge-off status, despite the fact that the account was closed and marked as charged off. 3. Impact on My Credit : The false reporting of this account has caused serious harm to my credit score and financial well-being. This failure to correct the inaccurate information has limited my access to credit and caused unnecessary emotional distress, as I have been unable to secure loans or credit at favorable rates due to these false marks on my report. 4. Request for Compensation Due to the ongoing errors and failure to properly verify the account, I am requesting compensation for the harmcaused by these actions. This includes thenegative impact on my credit score, the inability to obtain financial products, and the emotional distress caused by the ongoing inaccuracies and lack of resolution. My Legal Rights Under the FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to : Accurate reporting of my credit history. Proper verification of disputed information when challenged. Financial compensation for damages resulting from inaccurate reporting and repeated failure to investigate or correct errors. As these errors have persisted over time, I am requesting financial compensation for the emotional distress and financial hardship this has caused. In addition, I am seeking immediate correction and removal of this account from my credit file. Thank you for your attention to this matter. I look forward to your prompt response and assistance in correcting these errors and securing fair compensation.
Frequently Asked Questions
What is Complaint #15129931 about?
Complaint #15129931 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-08-06T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.