Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10050956
Complaint Overview
Complaint ID: 10050956
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: Texas
ZIP Code: 77523
Date Received: 2024-09-05T12:00:00-05:00
Date Sent to Company: 2024-09-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing a complaint against XXXX XXXX and Transunion for failing to properly investigate and validate a disputed XXXX XXXX collection account on my credit report. Despite multiple requests, the credit bureaus have continued to report this debt without verifying the accuracy or validity of the information provided by XXXX. **Background : ** XXXX. **Disputed Account Information : ** - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Amount : {$860.00} - Date Reported : XX/XX/XXXX XXXX. **Failure to Validate Debt : ** Since XXXX, I have repeatedly requested from XXXX XXXX a proper validation of the alleged debt. XXXX has only sent me random, non-itemized phone bills, which do not meet the legal requirements for debt validation. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested specific information that was never provided, such as : - A copy of the signed contract or agreement creating the debt. - A complete itemization of charges. - Proof that the debt is within the statute of limitations. - Documentation of any transfer or sale of the debt, including the name of the current owner. XXXX. **Disputes with XXXX Transunion and XXXX XXXX ** I have formally disputed this XXXX XXXX collection account with the credit bureaus multiple times, yet they continue to report the debt as verified without providing any evidence of its validity. Credit bureaus have not conducted a thorough investigation or requested sufficient documentation from XXXX. As a result, the inaccurate collection continues to damage my credit score. 4. **Inaccurate Credit Reporting : ** The credit bureaus refusal to properly investigate and verify the disputed information is a violation of the Fair Credit Reporting Act ( FCRA ). Their failure to remove this inaccurate collection has caused significant damage to my credit profile and financial standing. XXXX. **Impact on Military Family : ** As a military spouse, I am particularly vulnerable to the financial consequences of incorrect credit reporting. This inaccurate reporting has caused undue stress and negatively impacted my familys financial well-being. **Relief Sought : ** - I request that all three credit bureaus remove the XXXX XXXX collection account from my credit report immediately. - I demand that the credit bureaus conduct a full and proper investigation, requiring XXXX to provide all legally required documentation to validate the debt. - I seek compensation for any damages incurred as a result of the credit bureaus failure to investigate my disputes properly. - I request that all debt collection and reporting activities cease until full validation has been provided.
Frequently Asked Questions
What is Complaint #10050956 about?
Complaint #10050956 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 2024-09-05T12:00:00-05:00.
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.