Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15781070
Complaint Overview
Complaint ID: 15781070
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: Alabama
ZIP Code: 352XX
Date Received: 2025-09-07T12:00:00-05:00
Date Sent to Company: 2025-09-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> Experian XXXX XXXX XXXX and Any Other Credit Reporting Agency Re : Formal Dispute of Unlawful and Fraudulent Reporting Practices To Whom It XXXX Concern, My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, Alabama XXXX. Email : XXXX. I am writing to formally dispute the continued practice of allowing companies to report inaccurate, unlawful, and fraudulent late payments and over-the-limit transactions on my consumer credit files. This constitutes a violation of my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXXXXX XXXX XXXX and other applicable federal consumer protection laws. Specifically : - * * 15 U.S.C. 1681e ( b ) * * requires consumer reporting agencies to assure maximum possible accuracy of the information they report. Permitting companies to knowingly and willfully furnish inaccurate or misleading data regarding my payment history and credit limits is a direct violation of this mandate. - * * 15 U.S.C. 1681i ( a ) * * requires you to conduct a proper and timely reinvestigation when a consumer disputes the completeness or accuracy of information. I am advising you that I dispute * all * such late payment and over-limit notations, and I will not be listing accounts one by one. It is your legal obligation to investigate thoroughly and remove inaccurate items. - * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * * prohibits furnishers from reporting information they know, or have reasonable cause to believe, is inaccurate. The continued reporting of such information is fraudulent and unlawful. Your failure to comply with these statutory obligations constitutes a violation of my * * civil rights and consumer rights * *, and subjects your agencies to liability under * * 15 U.S.C. 1681n and 1681o * *, which provide for actual damages, statutory damages, punitive damages, and attorneys fees. I demand that you immediately delete all fraudulent, inaccurate, and unlawful late payment and over-limit entries from my credit files. You have * * XXXX XXXX from receipt of this letter * * to bring your reporting practices into full compliance with the law. If you fail to do so, I will pursue all available remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating civil litigation for damages. I strongly urge you to fulfill your legal duty by conducting a complete and lawful reinvestigation. I expect written confirmation of full compliance within the timeframe stated. Sincerely, __________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Email : XXXX XXXX
Frequently Asked Questions
What is Complaint #15781070 about?
Complaint #15781070 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 2025-09-07T12:00:00-05:00.
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.