Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8261157
Complaint Overview
Complaint ID: 8261157
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: California
ZIP Code: 91007
Date Received: 2024-01-31T12:00:00-05:00
Date Sent to Company: 2024-01-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to lodge a formal complaint against the credit bureaus for their failure to remove a fraudulent account from my credit reports, despite my repeated requests and provision of necessary documentation. This account was opened without my knowledge or consent and is a clear case of identity theft. Details of the Fraudulent Account : Creditor : XXXXXXXX XXXX Account Number : XXXX Balance : {$290.00} On XX/XX/2023, I sent a letter via USPS Certified Mail to the credit bureaus, requesting a thorough investigation and the removal of this fraudulent account. Unfortunately, my request was not only ignored, but I also faced outright refusal to remove this account from my credit file. This inaction on their part is not only distressing but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act. Upon discovering this unauthorized account, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and placed a fraud alert on my credit files. Despite these proactive measures, the fraudulent account continues to be a blemish on my credit report, negatively impacting my financial standing and credit health. The inaction of the credit bureaus in this matter is unacceptable and unjust. Therefore, I am seeking the intervention of the CFPB to ensure that a proper investigation is conducted and the fraudulent account is promptly removed from my credit records. Enclosed with this letter are copies of my previous correspondence with the credit bureaus, the identity theft report filed with the FTC, and other relevant documents supporting my claim. I trust that the CFPB will address this grievance with the seriousness it deserves and assist me in rectifying my credit report. I look forward to a prompt and favorable resolution of this issue. Thank you for your attention and assistance in this matter.
Frequently Asked Questions
What is Complaint #8261157 about?
Complaint #8261157 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 2024-01-31T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.