Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TRANSUNION REMOVED MY XXXX CREDIT CARD ACCOUNT # XXXX OF XXXX XXXX XXXX ACCOUNT!! ! XXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH XXXX  AND XXXX  TO DO THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled " Conspiracy Against Rights, '' makes it a federal crime for two or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised one. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like XXXX  or XXXX XXXX  occur as a result of the conspiracy. Key Aspects of Section 241 Conspiracy : The law focuses on an agreement or plan between two or more individuals. Targeted Rights : The conspiracy must be against rights secured by the U.S. Constitution or federal laws. Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving XXXX, XXXX  XXXX XXXX, or XXXX  XXXX. How it Differs from Section 242 It's important to distinguish Section 241 from Section 242. While Section 241 addresses conspiracies against rights, Section 242 targets individuals who, acting " under color of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the three major CRAs ( XXXX, TransUnion, and XXXX  ) once every 12 months. Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. 


XXXX  has been accused of improperly reinserting previously deleted or disputed information back onto consumer credit reports, often under a different furnisher 's name, without proper investigation or verification. 

Over-reliance on furnishers : The Consumer Financial Protection Bureau ( CFPB ) has stated that XXXX  often over-relies on furnishers ' responses to disputes, even when XXXX  possesses information that contradicts the furnisher 's claims or when the furnisher is known to be unreliable. 

Failure to investigate disputes thoroughly : The CFPB has also alleged that XXXX  's dispute investigation process is inadequate, failing to properly consider consumer-provided documentation and other information that contradicts the furnisher 's claims. 

" Sham investigations '' : The CFPB has specifically accused XXXX  of conducting " sham investigations '' where they give the appearance of investigating disputes without actually conducting a thorough and impartial review of the information, according to the CFPB. 

Mixing consumer files : XXXX  has also been accused of mixing consumer files, leading to incorrect information being reported on a consumer 's credit report, as seen in theSteelman v. Experian case.

Impact on consumers : These inaccurate reports can lead to denial of loans, higher interest rates, and other negative consequences for consumers. 

Christian Peyton v. Experian. Plaintiff discharged his XXXX  XXXX bankruptcy in XX/XX/year>. Despite the bankruptcy being discharged, XXXX  failed to report the discharge date. Plaintiff disputed to XXXX  but XXXX  verified the inaccurate information as correct. 

Nikolas v. Experian. N.D. C.A. The Plaintiff has an inaccurate account reporting on her XXXX  credit report. The Plaintiff has never had an XXXX account listed on the XXXX  credit report. The Plaintiff disputed with XXXX  several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information to promote the accuracy, fairness, and privacy of consumer reports. It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or security freezes on their files, while also imposing responsibilities on furnishers of information and users of credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation