Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11767754
Complaint Overview
Complaint ID: 11767754
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: Michigan
ZIP Code: 48239
Date Received: 2025-01-21T12:00:00-05:00
Date Sent to Company: 2025-01-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX Account No. XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). XXXX XXXX XXXX has continued to communicate with me regarding the alleged debt associated with Account No. XXXX, despite my explicit written request that all communication cease. I sent a cease-and-desist letter to XXXX XXXX XXXX on [ date you sent the letter ], requesting that they stop all forms of communication with me regarding this matter, except to provide written validation of the debt or to notify me of specific legal remedies they intended to pursue. Despite my request, XXXX XXXX XXXX has continued to contact me, violating federal law. In addition, I am disputing the validity of the debt and have requested : 1. Written validation of the alleged debt, including an itemized accounting of the amount claimed. 2. Documentation proving XXXX XXXX XXXX legal authority to collect this debt. To date, XXXX XXXX XXXX has failed to provide the requested validation and continues to engage in collection activity. Their actions are causing undue stress and are in direct violation of 15 U.S.C. 1692c ( c ) of the FDCPA. Requested Resolution : 1. I request that the CFPB investigate XXXX XXXX XXXX practices and ensure compliance with federal law. 2. XXXX XXXX XXXX should provide the requested written validation of the alleged debt and cease any further communication with me unless it complies with FDCPA requirements. 3. Any violations of federal law by XXXX XXXX XXXX should be addressed with appropriate penalties or enforcement action. Thank you for your assistance in resolving this matter. Please feel free to contact me if additional information is required. Sincerely, XXXX XXXX XXXX XXXX Submission Instructions : 1. Submit the letter via the CFPBs online portal ( https : //www.consumerfinance.gov/complaint/ ) or mail it to their address. 2. Include copies of supporting documents, such as the certified mail receipt of your cease-and-desist letter and any correspondence from XXXX XXXX XXXX. 3. Retain a copy of the complaint for your records. Let me know if you need further assistance!
Frequently Asked Questions
What is Complaint #11767754 about?
Complaint #11767754 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 2025-01-21T12:00:00-05:00.
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.