Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15925112
Complaint Overview
Complaint ID: 15925112
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: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Florida
ZIP Code: 33511
Date Received: 2025-09-13T12:00:00-05:00
Date Sent to Company: 2025-09-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, TransUnion responded to a certified dispute letter I sent directly as the consumer. In my letter, I included a copy of my U.S. passport, my date of birth, and the last four digits of my Social Security number to verify my identity. Despite providing proper identifying documentation and clearly stating that I was submitting the request personally, TransUnion rejected my dispute. Their response claimed that my request did not appear to have been sent directly by me, and therefore they refused to take action. This is inaccurate. My letter was sent via USPS Certified Mail, return receipt requested, which proves the dispute was submitted directly by me. By refusing to investigate, TransUnion failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ), Section 611, which requires a consumer reporting agency to conduct a reasonable reinvestigation when a consumer submits a proper dispute with sufficient identification. I am requesting that the CFPB ensure TransUnion accepts my valid dispute, conducts a proper investigation, and provides me with the results as required by law.
Frequently Asked Questions
What is Complaint #15925112 about?
Complaint #15925112 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 2025-09-13T12:00:00-05:00.
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.