Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10806125
Complaint Overview
Complaint ID: 10806125
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Texas
ZIP Code: 77503
Date Received: 2024-11-14T12:00:00-05:00
Date Sent to Company: 2024-11-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to dispute numerous inaccuracies and fraudulent entries on my XXXX, TransUnion, and XXXX credit report. These entries, which include unauthorized collections, charge-offs, inquiries, and incorrect address information, have severely impacted my credit standing and were reported in violation of the Fair Credit Reporting Act ( FCRA ). I am providing the relevant laws supporting my claim for immediate deletion of these fraudulent items. I also have a police report available to substantiate these disputes. Relevant FCRA Statutes and Their Application 1. 15 U.S. Code 1666 ( b ) - Billing Errors This law mandates that creditors promptly investigate and address billing errors. The following accounts, which appear as collections or charge-offs on my report, were fraudulently opened or misreported without appropriate verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These creditors failed to perform due diligence in investigating billing errors associated with fraudulent accounts in my name.15 U.S.C. 1681 ( e ) b. Cancel debt is gross or ordinary income. Income does not get reported on your consumer report, a charge off is inaccurate. Itemization is not a verification. A breakdown of charges is not considered verification or validation of debt. This should have been removed. 2. 15 U.S. Code 1637 ( a ) - Terms and Disclosure Requirements This statute requires that consumers receive clear disclosures regarding the terms and obligations of credit. The listed accounts below reflect a lack of transparency and verification, as they were opened fraudulently without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have reported accounts as charge-offs or in collection without my consent or notification, violating disclosure requirements. 15 U.S.C. 1681 ( e ) b. Cancel debt is gross or ordinary income. Income does not get reported on your consumer report, a charge off is inaccurate. Itemization is not a verification. A breakdown of charges is not considered verification or validation of debt. A 609 letter was sent and I never received proof of debt. I requested something with my wet signature on it, a copy of the original contract with my wet signature, a copy of the payment history, the name and address of the original creditor, and proof of credit authorization. I never received it. This should have been removed. 3. 15 U.S. Code 1692 ( g ) - Validation of Debts Debt collectors must verify debts upon request, yet these accounts were never validated, as required under this section : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TransUnion XXXX and XXXX report reflects these items without any validation, which violates my rights under this statute. 15 U.S.C. 1681 ( e ) b. Cancel debt is gross or ordinary income. Income does not get reported on your consumer report, a charge off is inaccurate. Itemization is not a verification. A breakdown of charges is not considered verification or validation of debt. A 609 letter was sent and I never received proof of debt. I requested something with my wet signature on it, a copy of the original contract with my wet signature, a copy of the payment history, the name and address of the original creditor, and proof of credit authorization. I never received it. This should have been removed. 4. 15 U.S. Code 1692 ( e ) - False or Misleading Representations This law prohibits false, deceptive, or misleading representation of debt. The following accounts were falsely reported as charge-offs or collections, which were not valid debts under my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX and XXXX continued reporting of these false entries constitutes deceptive practices and has damaged my financial credibility. 5. 15 U.S. Code 1681 ( e ) - Accuracy of Reporting The FCRA mandates that credit reporting agencies ensure maximum possible accuracy in reporting. The presence of these inaccurate accounts on my report indicates XXXX, TransUnion, and XXXX failure to meet this standard : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts, incorrectly reported as collection or charge-off accounts, demonstrate XXXX, TransUnion, and XXXX in verifying the accuracy of the information reported. 6. 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance XXXX, TransUnion, and XXXX negligence in investigating and removing these fraudulent entries makes it liable for damages. The continued presence of these inaccurate items, despite my efforts to correct them, reflects negligent noncompliance with FCRA requirements. 7. 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance XXXX, TransUnion, and XXXX ongoing failure to delete these fraudulent entries suggests willful noncompliance with FCRA obligations, for which the company may be held legally accountable. 8. 15 U.S. Code 1681 ( b ) - Permissible Purpose of Consumer Reports This section specifies that consumer report information should only be used for permissible purposes. The following unauthorized inquiries on my report violate this statute, as they were conducted without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my knowledge or approval, violating permissible purpose requirements. Fraudulent Accounts and Inquiries to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 ( e ) b. Cancel debt is gross or ordinary income. Income does not get reported on your consumer report, a charge off is inaccurate. Itemization is not a verification. A breakdown of charges is not considered verification or validation of debt. A 609 letter was sent and I never received proof of debt. I requested something with my wet signature on it, a copy of the original contract with my wet signature, a copy of the payment history, the name and address of the original creditor, and proof of credit authorization. I never received it. This should have been removed. Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address Correction Only my current address is accurate : XXXX XXXX XXXX XXXX XXXX, TX XXXX All other addresses should be removed immediately. Summary of Requested Actions 1. Immediate deletion of all fraudulent collection and charge-off accounts listed above. 2. Removal of all unauthorized inquiries listed above. 3. Correction of address information to reflect only the valid address. Under the FCRA, XXXX, TransUnion, and XXXX has 30 days to investigate and respond to my dispute. Failure to comply with this request will be considered a violation, with potential legal consequences. Please confirm receipt of this letter and update me on the status of the investigation. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #10806125 about?
Complaint #10806125 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-14T12:00:00-05:00.
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.