Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10982096
Complaint Overview
Complaint ID: 10982096
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: Louisiana
ZIP Code: 704XX
Date Received: 2024-11-30T12:00:00-05:00
Date Sent to Company: 2024-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding two accounts that remain on my credit report with XXXX and TransUnion : XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX ( Account # XXXX ). I have previously disputed these debts and requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. Both creditors, XXXX XXXX XXXX and XXXX XXXX XXXX, were required by law to provide me with proof of the debt, such as contracts or signed agreements. However, neither company provided any documentation supporting their claims, which violates the FDCPA and the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i. Despite the failure of both creditors to validate the debts, the accounts were reported as accurate on my credit reports. XXXX removed these accounts due to the lack of verification, but XXXX and TransUnion failed to update or remove the accounts, which I believe is a violation of FCRA 1681i, which mandates that a credit bureau must correct or remove inaccurate or unverifiable information. Furthermore, the FDCPA 1692e prohibits the use of false or misleading representations in the collection of debts. The failure to provide validation and the continued reporting of these debts as accurate after being marked as closed remains a violation, as the accounts are inaccurately marked as resolved or paid when they have not been validated, and no documentation has been provided. Under FCRA 1681e ( b ), even if accounts are reported as closed, they must still be reported accurately. A closed status does not eliminate the need for accuracy, and the information must be verified for authenticity, which was not done. Reporting a closed account without proper validation still constitutes a violation because it results in the reporting of unverifiable, potentially incorrect information on my credit report. I previously filed complaints with the CFPB, but the dispute process was not handled properly by the credit bureaus or creditors. Below are the reference numbers for my previous CFPB complaints : XXXX XXXX complaints : XXXX : ( XXXX ) TransUnion : ( XXXX ) World Finance Company complaints : XXXX : ( XXXX ) TransUnion : ( XXXX ) Despite these complaints and my requests for debt validation, XXXX and TransUnion have continued to report the accounts as closed but unverifiable. This is an ongoing violation of both the FCRA and FDCPA. I request that the CFPB take the following actions : XXXX. Investigate the failure of XXXX XXXX XXXX and XXXX XXXX XXXX to properly validate the debts. XXXX. Ensure XXXX and TransUnion remove the unverifiable accounts from my credit report. XXXX. Require XXXX XXXX and XXXX XXXX to comply with the FDCPA and FCRA by properly verifying the debts. XXXX. Provide documentation verifying the debts if they are to remain on my credit report.
Frequently Asked Questions
What is Complaint #10982096 about?
Complaint #10982096 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 2024-11-30T12:00:00-05:00.
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.