Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11048276
Complaint Overview
Complaint ID: 11048276
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: Georgia
ZIP Code: 30134
Date Received: 2024-12-05T12:00:00-05:00
Date Sent to Company: 2024-12-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Credit Reporting Department, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the relevant Credit Reporting Agencies ( XXXX, Transunion, XXXX ) that the disputed charge-off entry from XXXX XXXX XXXX was deleted from my XXXX secondary credit report following an investigation completed on XX/XX/year>. The account was found to be unverifiable, and XXXX has removed it from my credit file. I now request that all other credit reporting agencies, including [ Insert Names of CRAs ], conduct a thorough review and deletion of this same account. Since XXXX, one of the major CRAs, has already deleted the entry due to its unverifiable nature, it is expected that other agencies follow suit in accordance with applicable consumer protection laws. Legal Basis for Request Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to accurate and complete information on my credit report. If a debt or charge-off is found to be unverifiable, it must be removed from my credit report promptly. XXXX has already deleted this account, which has been verified as inaccurate, and therefore, the same must apply to any other credit report containing this account. Failure to remove unverifiable information within 30 days from the date of my notification is in violation of the FCRA. Furthermore, I remind the CRAs that under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if a consumer disputes the accuracy of any information on their report, the CRA must investigate and correct or delete the information within 30 days if it is found to be inaccurate. Should the account remain on my credit report and not be removed within the required timeframe, this will constitute a direct violation of my rights as a consumer. My Request I respectfully request that you take immediate action to remove the unverifiable XXXX XXXX XXXX charge-off account from my credit report within 30 days. If this information is not corrected or deleted in the specified timeframe, I am fully aware of my right to seek legal action and pursue any available remedies, including filing a lawsuit for damages under the Fair Credit Reporting Act and seeking statutory damages, punitive damages, and attorneys fees. Please consider this letter a formal notification of my dispute and request for deletion of the account. I appreciate your attention to this matter and trust you will act in accordance with the law. Thank you for your time and prompt attention to this request. Sincerely, XXXX XXXX XXXX : XXXX, Transunion, XXXX
Frequently Asked Questions
What is Complaint #11048276 about?
Complaint #11048276 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 2024-12-05T12:00:00-05:00.
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.