Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17876591
Complaint Overview
Complaint ID: 17876591
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: Illinois
ZIP Code: 60901
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This response is regarding XXXX reply dated XX/XX/year>. TransUnion marked the case as Closed with non-monetary relief but did not address the actual issue raised in my complaint. XXXX. TransUnion did NOT investigate the disputed hard inquiries My complaint was specifically about unauthorized hard inquiries from : XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX only states that they mailed me a credit report and updated my address. They did not confirm whether : They contacted any of the data furnishers They obtained written verification of my authorization They verified any permissible purpose under FCRA 604 They conducted a reinvestigation under FCRA 611 This means they did not address or resolve the core dispute. XXXX. XXXX response is a generic template letter Their response repeats a general description of how disputes normally work, but does not state : What investigation was performed Which companies were contacted What those companies reported Whether any inquiry was verified or unverified This does not satisfy FCRA 611, which requires a reasonable reinvestigation and a specific explanation of results. XXXX. Updating my address does not resolve the unauthorized inquiries I disputed impermissible access to my credit file, not my address. The address update has nothing to do with the unauthorized inquiries and can not be considered relief. XXXX. Requested Action ( Still Unresolved ) I request that TransUnion : 1. Conduct a full reinvestigation of each disputed inquiry, including obtaining written verification of my authorization. XXXX. Delete any inquiry that can not be verified with a permissible purpose under FCRA 604. XXXX. Provide written results that clearly state : Which data furnishers were contacted What documentation was provided Whether the inquiry was verified, modified, or deleted XXXX. TransUnion closed the case without resolving the dispute Because the core issueunauthorized hard inquirieswas not investigated or addressed, I am requesting that the CFPB reopen the complaint or require TransUnion to comply with its obligations under the FCRA.
Frequently Asked Questions
What is Complaint #17876591 about?
Complaint #17876591 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 2025-11-27T12:00:00-05:00.
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.