Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11017830
Complaint Overview
Complaint ID: 11017830
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: Ohio
ZIP Code: 435XX
Date Received: 2024-12-03T12:00:00-05:00
Date Sent to Company: 2024-12-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of XXXX XXXX XXXX Account Under FCRA To Whom It XXXX Concern, I am writing to formally dispute the collection account reported on my TransUnion credit report by XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of Ohio. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Transunion is obligated to investigate and correct or delete unverifiable data. Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX is licensed to collect debts in California. Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. I request that you complete your investigation and provide a response within the XXXX timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals office. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11017830 about?
Complaint #11017830 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 2024-12-03T12:00:00-05:00.
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.