Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17127323
Complaint Overview
Complaint ID: 17127323
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: District of Columbia
ZIP Code: 20010
Date Received: 2025-11-09T12:00:00-05:00
Date Sent to Company: 2025-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against TransUnion for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ). I am a verified victim of human trafficking, debt bondage, and identity theft, and I have provided TransUnion with proper victim determination documentation, proof of identity, and address verification as required by federal law. Despite submitting a formal legal demand, TransUnion has failed to properly investigate, block, and remove fraudulent and coercion-based information from my credit file as mandated by the FCRA. The information in question was the result of trafficking-related coercion and identity theft, and therefore must be permanently blocked and deleted under federal law. Items that should have been deleted or blocked : Addresses to delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer to delete : XXXX XXXX XXXX Accounts to block : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5800.00} Hard inquiry to remove : XXXX XXXX XX/XX/XXXX Under FCRA 605C, TransUnion is legally required to block all information resulting from human trafficking once valid documentation is submitted. Under FCRA 605B, TransUnion must block all information resulting from identity theft within four business days of receiving notice and verification. TransUnion has failed to comply with these statutory obligations by continuing to report these accounts, addresses, and inquiries despite being notified with full documentation. Their inaction has caused ongoing harm, emotional distress, and damage to my credit reputation.
Frequently Asked Questions
What is Complaint #17127323 about?
Complaint #17127323 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-11-09T12:00:00-05:00.
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.