Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11771913
Complaint Overview
Complaint ID: 11771913
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 90606
Date Received: 2025-01-24T12:00:00-05:00
Date Sent to Company: 2025-01-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
-- - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against XXXX for Negligence, Privacy Violations, and FCRA Violations To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX for persistent violations of the Fair Credit Reporting Act ( FCRA ), including negligence under Section 1681o, its failure to conduct thorough investigations as required under Section 611, and its unauthorized collection and reporting of personal identifying information ( PII ) in violation of my privacy rights. Despite multiple attempts to address these issues with XXXX, the company has failed to fulfill its obligations under the FCRA. This negligence has caused significant financial harm, reputational damage, and unwarranted privacy intrusions. Summary of Issues The following are specific concerns that XXXX has failed to address adequately : XXXX. XXXX XXXX XXXX - Account Number : ( not included due to above requirements ) - Balance reported : {$4100.00}. - Issue : This account is listed as open, yet XXXX XXXX has failed to provide proper verification of the debt despite repeated requests. I have no agreement with this alleged creditor, and the original creditor agreement prohibits assignment of this account to third parties, including for collection purposes. - Litigation : This account is the subject of ongoing litigation ( Case # XXXX ), and it is inappropriate for XXXX to report it until the matter is resolved. - Demand : XXXX must delete this account from my credit report immediately. XXXXXXXX XXXX XXXX - Account Numbers : ( not included due to above requirements ) - Balances reported : {$14000.00} and {$5500.00}. - Issue : These accounts are listed as open collection accounts, yet XXXX XXXX has failed to verify the validity of the debts or provide documentation from the original creditors. Additionally, the original creditor agreement prohibits assignment of these accounts to third parties. -Demand : Both accounts must be deleted from my credit report due to lack of verification and invalid assignment. XXXX. Late Payment History Errors I dispute all late payments reported on my credit report as they are inaccurate or unverifiable : - XXXX XXXX XXXX XXXX. ( Account Number : [ Insert XXXX Account Number ] ) : ** Incorrectly reported as 30-59 Days Late with a last payment date of XX/XX/XXXX. Payments have been consistently made on time. Original Account Holder : XXXX XXXX XXXX XXXX, I never authorized transfer or account or assignments to XXXX XXXX, nor authorized them to report to my credit. No contract or agreement exists. - XXXX XXXX XXXX Card ( Account Number : [ Insert Target Card Account Number ] ) : ** Incorrectly listed as XXXX Days Late. - XXXXXXXX XXXX ( Account Number : [ Insert XXXX Account Number ] ) : ** Multiple late payments ( XXXX instances ) are inaccurately reported. - Demand : All inaccurate or unverifiable late payment notations must be deleted from my credit report immediately. XXXX. Unauthorized Reporting of Personal Identifying Information ( PII ) XXXX continues to report sensitive personal identifying information, including : - Former employers. - Previous addresses. - Personal phone numbers. The continued publication of this data without explicit authorization constitutes a violation of my privacy rights under the FCRA. - Demand : XXXX must immediately remove all former employers, previous addresses, and personal contact information from my credit report. Legal Basis for Complaint XXXX failures violate the following FCRA requirements : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer reports. 2. 15 U.S.C. 1681b : Reporting personal identifying information without permissible purpose violates consumer privacy. 3. 15 U.S.C. 1681i ( a ) : XXXX is obligated to conduct a reasonable reinvestigation when a dispute is filed, which they have failed to do in this case. XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : A credit reporting agencys failure to comply with the FCRA can cause concrete harm, entitling the consumer to relief. History of Attempts to Resolve I have made multiple attempts to resolve these issues directly with XXXX, but they have failed to conduct reasonable investigations or provide any substantive resolutions. This pattern of negligence and non-compliance demonstrates their disregard for FCRA requirements and consumer privacy. Supporting Documentation Enclosed with this letter are the following documents to support my complaint : - A copy of my credit report highlighting the disputed entries. - Documentation indicating the lack of authorization for assignment or transfer of these accounts. - A register of actions for Case # XXXX related to XXXXXXXX XXXX Requested Actions I request the Consumer Financial Protection Bureau to : XXXX. Investigate XXXX handling of these disputes and their failure to comply with FCRA requirements. XXXX. Require XXXX to : - Delete the XXXX XXXX account from my credit report pending resolution of litigation. - Delete both XXXXXXXX XXXX accounts from my credit report due to lack of verification and invalid assignment. - Delete all inaccurate or unverifiable late payment notations from my credit report. - Remove all former employers, previous addresses, and personal contact information from my credit report. XXXX. Impose penalties on XXXX for their repeated negligence and failure to meet their obligations under the FCRA. Conclusion XXXX failure to ensure accurate reporting, conduct reasonable investigations, and protect my personal identifying information has caused significant harm. I trust that the Consumer Financial Protection Bureau will address this matter promptly and hold XXXX accountable for their violations. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11771913 about?
Complaint #11771913 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-24T12:00:00-05:00.
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.