Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16064957
Complaint Overview
Complaint ID: 16064957
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: XXXXX
Date Received: 2025-09-19T12:00:00-05:00
Date Sent to Company: 2025-09-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Equifax, Experian, and TransUnion for furnishing my consumer reports to entities that did not have a permissible purpose or legitimate business reason to access them. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. On multiple dates between XXXX and XXXX, my consumer reports were furnished to companies without my authorization or a permissible purpose as defined under FCRA 604 ( a ) ( 3 ). Examples include inquiries and reports furnished to XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. These companies did not have a certified permissible purpose under FCRA 604 ( f ), and the consumer reporting agencies failed to ensure compliance before releasing my information. This unlawful furnishing of my reports has violated my right to privacy and exposed my personal information without justification. I requested certification of the permissible purpose or business reason for these inquiries, but none has been provided. The CFPB itself has issued guidance ( 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes ) reminding agencies that permissible purposes are consumer-specific and that disclaimers do not cure a violation.
Frequently Asked Questions
What is Complaint #16064957 about?
Complaint #16064957 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-09-19T12:00:00-05:00.
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.