Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #19874018

CFPB complaint 19874018 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on February 28, 2026.

Complaint 19874018 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC.. You can view all complaints against this company on their profile page at /company/transunion-intermediate-holdings-inc.

TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.

Complaint 19874018 was received by the CFPB on February 28, 2026. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on February 28, 2026.

Complaint 19874018 was filed from Florida. You can view all complaints from this state at /state/FL.

Dispute information is not available for complaint 19874018.

Complaint 19874018 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 19874018 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) requires credit bureaus to conduct reasonable investigations into consumer disputes. This relates to a Credit reporting or other personal consumer reports complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Problem with a company's investigation into an existing problem".

Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The company's failure to investigate and correct a reported error suggests potential non-compliance with fair credit reporting regulations, which could lead to further consumer harm and regulatory scrutiny.

This case highlights the importance of timely and accurate investigations by credit reporting agencies to maintain consumer trust and comply with federal law. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should keep detailed records of all communications with credit bureaus and dispute any errors multiple times if they are not resolved.

The complaint originated in Florida, indicating a potential pattern of issues within that state's consumer base. This complaint was filed from Florida.

Credit reporting agencies are expected to have robust dispute resolution processes; failure to do so can lead to significant penalties.

A consumer can file a complaint with the CFPB, the FTC, or their state Attorney General. They may also have grounds to sue the credit bureau in federal court for damages.

Under the FCRA, credit bureaus generally have 30 days to investigate a consumer dispute, or 45 days if the consumer provides additional information during that 30-day period.