Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11122780
Complaint Overview
Complaint ID: 11122780
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 10465
Date Received: 2024-12-11T12:00:00-05:00
Date Sent to Company: 2024-12-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Verification Requirement ( 15 U.S.C. 1681i ) : The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. XXXX. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. XXXX. Re-Aging of Debt ( 15 U.S.C. 1681c ) : The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 1 day. XXXX. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Frequently Asked Questions
What is Complaint #11122780 about?
Complaint #11122780 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-12-11T12:00:00-05:00.
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.