Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15130721
Complaint Overview
Complaint ID: 15130721
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: Michigan
ZIP Code: 480XX
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
CFPB Complaint Summary Arbitration Exhibit Filed by : XXXX XXXX XXXX of CFPB Filing : XX/XX/year> Against : Experian Summary of Complaint and Violations Cited This document summarizes the formal complaint filed with the Consumer Financial Protection Bureau ( XXXX ) by XXXX XXXX on XX/XX/year>, against Experian for the continued false reporting of a XXXX XXXX XXXX ( XXXX ) tradeline following repossession and sale of the vehicle. Violations Cited : XXXX. FCRA XXXX ( b ) Failure to report with maximum possible accuracy. XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation. XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) Re-insertion of deleted or corrected info without proper notice. XXXX. FCRA XXXX ( b ) Failure to delete or modify after consumer dispute. XXXX. FCRA XXXX Failure to provide full consumer file. XXXX. FCRA XXXX Reporting obsolete or discharged info ; false payment activity post-repo. XXXX. FCRA XXXX ( c ) Failure to include statement of dispute on tradeline. XXXX. XXXX XXXX Inaccurate account status reporting ; reporting inflated balance on 'closed ' tradeline. XXXX. Michigan XXXX XXXX Failure to provide proper pre-sale notice of repossession. XXXX. Michigan XXXX XXXX No post-sale accounting statement or itemization of deficiency. XXXX. Failure to verify or validate account status post-repo ; XXXX misrepresented account as still open. XXXX. Actual & Emotional Damages Credit denial, delayed auto loan, confusion, and time lost. Damages Sought The complainant seeks a total of $ XXXX in statutory, actual, and emotional damages, as outlined below : {$1000.00} per statutory violation XXXX categories $ XXXX for actual and emotional distress Final Demand Before Arbitration Filing Experian was instructed to delete the inaccurate XXXX XXXX XXXX and confirm in writing by XX/XX/year>. Failure to comply triggered the initiation of a formal arbitration case with the XXXX XXXX XXXX ( XXXX ). Respectfully submitted, XXXX XXXX XXXX, MI XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15130721 about?
Complaint #15130721 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.