Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10174401
Complaint Overview
Complaint ID: 10174401
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: Maryland
ZIP Code: 20902
Date Received: 2024-09-18T12:00:00-05:00
Date Sent to Company: 2024-09-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Since 2020, I have been disputing a debt with all three credit bureaus. In XXXX, I sent certified dispute letters to all three bureaus, along with all required documents, including my ID and Social Security number. TransUnion returned the certified mail green card but has not provided any response regarding the dispute. I have not received the certified return card from XXXX or XXXX. XXXX has repeatedly stalled, asking for more information despite receiving everything they requested. I also disputed the debt online, but the investigation results came back as accurate and validated. When I contacted XXXX to ask for documentation on how they validated the debt, I spoke with a representative who was very rude. She informed me that they use an automatic system for disputes and that she was not allowed to share any information about how the debt was validated. Under the Fair Credit Reporting Act ( FCRA ), 18 U.S. Code 1028, 15 U.S.C. 1681b, and 15 U.S.C. 6802, I have the right to dispute inaccurate information and to receive documentation validating the debt. I have repeatedly asked for the validation of the debt, including the original purchase agreement, payment history, and proof that the collection agency is licensed to legally collect the debt. Both the credit bureaus and the collection agency have refused to provide this information, which is a violation of my rights under these laws. I respectfully request the immediate removal of this debt from my credit report, as the bureaus and the collection agency have failed to comply with federal regulations and have repeatedly violated my rights.
Frequently Asked Questions
What is Complaint #10174401 about?
Complaint #10174401 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 2024-09-18T12:00:00-05:00.
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.