Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16012872
Complaint Overview
Complaint ID: 16012872
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: 361XX
Date Received: 2025-09-17T12:00:00-05:00
Date Sent to Company: 2025-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681c-2 regarding the XXXX XXXX account you continue to report. The account was opened XX/XX/XXXX, closed/charged off, with a reported balance of {$2700.00} past due as of XX/XX/XXXX. I have disputed this account previously, yet it continues to appear on my file. Under 15 U.S.C. 1681i, I demand that TransUnion conduct a full reinvestigation and provide the method of verification. No such verification has ever been produced. Additionally, I am a documented victim of the TransUnion data breach, which compromised my personal information and increased the likelihood of fraudulent or inaccurate accounts being reported. Legal Violations : - 1681c-2 : Requires blocking of disputed/identity theft-related information unless properly verified. - 1681i ( a ) ( 5 ) ( B ) : Reinsertion of previously disputed items requires certification of accuracy and written notice to me within XXXX business days. No such notice was received. XXXX XXXX XXXX XXXXXXXX : Since TransUnion has previously investigated and failed to validate, you are barred from Continuing to report this item.
Frequently Asked Questions
What is Complaint #16012872 about?
Complaint #16012872 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 2025-09-17T12:00:00-05:00.
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.