Credit reporting or other personal consumer reports -- Problem with fraud alerts or security freezes -- Complaint #15771837
Complaint Overview
Complaint ID: 15771837
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with fraud alerts or security freezes
State: Connecticut
ZIP Code: 065XX
Date Received: 2025-09-06T12:00:00-05:00
Date Sent to Company: 2025-09-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of negative accounts currently being reported on my credit file under TransUnion bureau. These accounts are the direct result of a failure in data security and a breach that compromised my personal and financial information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure that all information reported is accurate, verifiable, and fairly maintained. Reporting accounts that stem from a security breach violates these obligations. Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ) and the Federal Trade Commission Act ( 15 U.S.C. 45 ), organizations are required to safeguard consumer data and prevent unauthorized access. This clearly did not occur, leaving my personal information vulnerable and directly impacting my credit report. I demand the immediate removal of all inaccurate and negatively impacting accounts linked to this breach. Failure to do so not only further damages my creditworthiness but also places your bureau in direct violation of federal law. I expect a written response confirming the deletion of these accounts from my credit file within 30 days of receipt of this letter, as required by law. Should you fail to act, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. Additionally, I will pursue all available legal remedies to protect my rights. This is not a requestit is a demand backed by law. I will hold your agency fully accountable for any continued reporting of fraudulent, inaccurate, or unverifiable information on my credit file.
Frequently Asked Questions
What is Complaint #15771837 about?
Complaint #15771837 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with fraud alerts or security freezes. It was received by the CFPB on 2025-09-06T12:00:00-05:00.
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.