Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15626855
Complaint Overview
Complaint ID: 15626855
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: Illinois
ZIP Code: 60431
Date Received: 2025-08-30T12:00:00-05:00
Date Sent to Company: 2025-08-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I give all three credit bureaus permission to proceed with complaints Subject : Failure to Remove Fraudulent XXXXXXXX XXXX Accounts Despite Identity Theft Reports To Whom It May Concern : I am filing this complaint against the three major credit bureaus Experian, TransUnion, and Equifax for continuing to report fraudulent XXXX XXXX accounts and other false information despite receiving valid identity theft documentation. Violations of the Fair Credit Reporting Act ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c2 ) : Requires credit bureaus to block fraudulent information within 4 business days upon receipt of : ( 1 ) a valid identity theft report ; ( 2 ) a list of disputed accounts ; and ( 3 ) proof of identity. I provided all of these. FCRA 1681i : Requires bureaus to reinvestigate disputed information. Despite multiple disputes, the fraudulent XXXX XXXX accounts and other items remain on my file. FCRA 1681n & 1681o : Their refusal to block, remove, or properly reinvestigate constitutes willful and negligent noncompliance. Documentation Provided FTC Identity Theft Report # : XXXX XXXX Police Report # : XXXX / Tracking # XXXX Proof of identity & address List of fraudulent accounts and inquiries Fraudulent Accounts Still Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Resolution Immediate removal of all fraudulent XXXXXXXX XXXX accounts and associated inquiries XXXX Removal of other fraudulent accounts and inquiries listed above. Deletion of inaccurate personal information ( names and addresses not belonging to me ). A full written explanation of why the fraudulent items were not previously blocked in compliance with FCRA 605B. Monetary relief if applicable under FCRA 1681n and 1681o. Hardship Statement The bureaus refusal to remove clearly documented identity theft accounts has caused me significant financial and emotional harm, including difficulty securing credit and ongoing stress. I respectfully request that the CFPB investigate this matter and require Experian, TransUnion, and Equifax to comply fully with the law. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15626855 about?
Complaint #15626855 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 2025-08-30T12:00:00-05:00.
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.