Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11768080
Complaint Overview
Complaint ID: 11768080
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: Texas
ZIP Code: 78613
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Request for Investigation and Dispute of Charge-Off Under 15 U.S.C. 1681i Dear Sir or Madam, I am writing to formally dispute the charge-off account appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. This section of the FCRA mandates that credit reporting agencies conduct a thorough and reasonable investigation upon receiving a dispute regarding the accuracy or completeness of information on a consumer 's credit report. The charge-off in question is inaccurate and/or unverifiable. Under the FCRA, you are required to : Promptly initiate an investigation into the disputed information. Verify the accuracy of the information with the furnisher or delete the disputed information if it can not be verified. Provide me with the results of your investigation within 30 days from the date of this dispute. If you find that the charge-off can not be verified as accurate, I demand that it be permanently removed from my credit file. Furthermore, I request that you send me a corrected copy of my credit report reflecting this change. Additionally, I would like to remind you that failure to comply with the obligations set forth under 15 U.S.C. 1681i may result in civil liability under 15 U.S.C. 1681n and 1681o, including the recovery of damages and attorneys fees. I have attached a copy of my government-issued identification and proof of address to facilitate your investigation. Please notify me promptly if you require any further information to process my dispute. Thank you for your attention to this matter. I look forward to receiving your response and resolution within the required timeframe. Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall : ( A ) conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days of receiving the dispute. ( 2 ) Prompt notice of dispute The consumer reporting agency shall provide notification of the dispute to any person who provided the disputed information. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. ( 5 ) Deletion of inaccurate or unverifiable information If, after any reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumers file or modify that item of information, as appropriate. ( 6 ) Notice of results of reinvestigation ( A ) Following any reinvestigation, the agency shall provide written notice to the consumer of the results of the reinvestigation not later than 5 business days after the completion of the reinvestigation.
Frequently Asked Questions
What is Complaint #11768080 about?
Complaint #11768080 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.