Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15654543
Complaint Overview
Complaint ID: 15654543
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: Virginia
ZIP Code: 20176
Date Received: 2025-09-01T12:00:00-05:00
Date Sent to Company: 2025-09-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against TransUnion and XXXX XXXX Dear Sir/Madam , I am writing to formally lodge a complaint against TransUnion and XXXX XXXX regarding their handling of my credit report, which has resulted in significant and unjustified harm to my credit score and overall financial health. Despite my previous complaints to both organizations, I continue to experience issues that I believe violate the Fair Credit Reporting Act, specifically under Section 12 U.S. Code 5531, which prohibits unfair, deceptive, or abusive acts or practices. Most recently, I noticed a XXXX drop in my credit score attributed to TransUnion. This change occurred without any legitimate reason or alteration to my accounts. Additionally, I have been informed by a supervisor at XXXX XXXX that they reached out to TransUnion 's Management Department, urging them to reinstate my credit card account ending in XXXX, which has inexplicably been absent from my credit report for the past 90 days. The failure of TransUnion and XXXX XXXX to accurately report my credit information and rectify these issues has led to significant distress and financial repercussions for me. I believe these actions not only violate my rights as a consumer but also undermine the integrity of the credit reporting system. I therefore request that the CFPB and FTC investigate these matters and take appropriate actions to ensure that TransUnion and XXXX XXXX are held accountable for their practices. Thank you for your attention to this urgent matter. I look forward to your prompt response. Sincerely,
Frequently Asked Questions
What is Complaint #15654543 about?
Complaint #15654543 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 2025-09-01T12:00:00-05:00.
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.