Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15322894
Complaint Overview
Complaint ID: 15322894
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: Wyoming
ZIP Code: 830XX
Date Received: 2025-08-15T12:00:00-05:00
Date Sent to Company: 2025-08-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX XXXX XXXX, a fraudulent student loan in the amount of {$1800.00} was opened in my name without my knowledge or consent. This account has since been placed in collections and has caused significant harm to my credit standing. I have filed four separate disputes with TransUnion regarding this account. Each time, I have clearly stated that the account is fraudulent and does not belong to me. XXXX promptly investigated, confirmed the account was fraudulent, and removed it from my credit file. TransUnion, however, has failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Instead, they have repeatedly verified the account as accurate, despite my statements and the contradictory findings of another national credit bureau. TransUnion has stated that my only recourse is to submit additional documents, which I do not possess because this account is not mine. This position ignores the obligations under the FCRA to investigate disputes using all information reasonably available, including information from other credit reporting agencies and the furnishing creditor. By failing to remove the fraudulent account, TransUnion is in violation of its statutory duties under the FCRA, including but not limited to : Failing to conduct a reasonable reinvestigation ( 1681i ) Failing to delete inaccurate or unverifiable information ( 1681i ( a ) ( 5 ) ) Continuing to report information it knows or should know is inaccurate ( 1681e ( b ) ) I request immediate removal of the fraudulent account from my credit report and written confirmation of this action. If TransUnion fails to correct this matter promptly, I will pursue further remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and private legal action as allowed under the FCRA.
Frequently Asked Questions
What is Complaint #15322894 about?
Complaint #15322894 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 2025-08-15T12:00:00-05:00.
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.